19-2020 Family Guide to Exchanges - ISE Ontario · When a concern arises, please contact your regional marketing manager or the ISE office as soon as possible. Open communication

INTERNATIONAL STUDENT EXCHANGE - ONTARIO

2019-2020Family Guide to Exchanges

Revised 2018

Suite 1413, 64 Cedar Pointe Drive Barrie, Ontario; L4N 5R7Tel. 705 722 9440 Email: [email protected] www.iseontario.on.ca

INTRODUCTION

We at ISE ONTARIO are very pleased that you are about to embark on this exciting educational and cultural adventure with us. Once the exchange begins, it is up to you to make it one of the best experiences of your life. Remember that the planning, effort, care and commitment that you put into the exchange will determine what you get out of it and how successful your exchange will be. This is your exchange!

This manual is designed to answer common questions regarding the exchange, to advise how you can make your partner’s stay more enjoyable for him/her as well as for you and for your family, and to assist you in planning and preparing for your departure and stay in your exchange partner’s home and school. In addition, your regional program manager will arrange a pre-arrival meeting and pre-departure meeting to prepare you for both the hosting and visiting portions of your exchange.

There are a number of important items which need to be attended to throughout the exchange year. This manual contains information detailing these items, and we ask that you pay particular attention to time lines, due dates and other specific instructions which will help ensure that documents for all participants can be processed efficiently.

If at any time during the exchange program a concern arises which is not addressed in this manual, you should contact your regional program manager or the ISE office.

ISE ONTARIO, along with your regional marketing manager, are the contacts for Canadian parents both during the hosting period and while the Canadian students are abroad.

Wishing you an enriching exchange experience!

Best Wishes,

The ISE ONTARIO Team

TABLE OF CONTENTS

I PROGRAM INFORMATION

Organization & Program Costs ........................................................................................................... 4 School & Problems ............................................................................................................................... 5 Withdrawing from the Program, Rules ……………………………….………………………... 6 Conditions of Participation ................................................................................................................. 7 Health Form, Immunization Records & Insurance ......................................................................... 9

Manulife Travel Insurance Youth Policy.................................................................... .......10

ISE Policies; Vulnerable Sector Screenings, Hospitality Obligation, Travel Documentation,

Internal Travel, Travel Deviations, Refunds & Cancellations....………………..........30

II THE PERIOD AWAY

A Before Leaving Objectives, Correspondence, School, Language .............................................................. 37 Being Informed, Glasses, Dental Work, Medication Money, Passport, Customs, Contacts, Clothing, Gifts ……………………………….38

B Travel Information Winter 2018 Departure Information ................................................................................ 39 Travel Information, Luggage Allowance

C In the Exchange Destination School, Conservation, Transportation .............................................................................. 40 Food, Telephone & Internet Travel, Homesickness, Language, Ambassador, Keys to Success................................... 41

D Coming Home. Advice to Parents, Checklist Evaluation, Period of Readjustment .................................................................................. 42

III THE HOSTING PERIOD

A Before Arrival Personal Objectives, Correspondence, Preparation, Activities, Friends ...................... 43

B Stay in Ontario Arrival, Rules, Getting Along ............................................................................................. 44 School .................................................................................................................................... 45 Language Learning, Part-time Jobs, Technology ............................................................. 46

C Money, General Observations & Helpful Hints ............................................................ 47

I PROGRAM INFORMATION

Organization

ISE ONTARIO administers its programs in co-operation with participating school boards throughout the province. It is a school based program with the primary goal of developing the language skills and increasing the cultural awareness of participating students.

ISE presently offers exchanges of 3,4,9 & 12 week duration to France, Switzerland Germany, Italy, Spain, Quebec and China. Elementary and Secondary students have the opportunity to participate in either a ‘Host First’ or ‘Go First’ school year exchange or one of our summer exchange programs. The summer programs are 3-4 weeks duration.

ISE works closely with reliable, experienced exchange partners in each country and Quebec.

ISE ONTARIO programs are opportunities for students to: • develop language skills through complete immersion• increase cultural awareness through direct experience• enhance understanding and tolerance of others• gain confidence, responsibility and self-reliance• come home with a new appreciation of their own country and/or home community

Program Fees: The cost of the exchange requires a registration fee due on the application deadline, followed by 1 or 2 payments depending on the chosen program.

These fees cover: • International air travel in economy class on regular airlines, accompanied by Canadian chaperones• Unaccompanied connecting service travel within Ontario and/or in the host country, where required• Travel insurance: cancellation and interruption and emergency hospital/medical• Orientation tour or activity day in the host country *exceptions apply based on program and country• ISE administration fee

These fees do not cover: • Personal spending money• Domestic flights or shuttles for the Canadian students to/from Toronto Pearson Airport and any

associated fees or costs (i.e. checked luggage)• Excess or overweight baggage charges imposed by the airlines• Expenses resulting from travel changes caused by events beyond the control of ISE Ontario• Visas where necessary

School

Elementary students must discuss their absence with their teachers in advance.

Secondary students must plan ahead with their teachers and Guidance/Student Services for their upcoming selection of courses. It is usual for secondary students in semestered schools to take four courses in the first semester and generally four or at least three in the second semester of their exchange year, and for exchange participants in non-semestered schools to complete seven or eight courses during the year.

Secondary students are advised to discuss the arrival of their exchange partner when they are talking about their own courses and schedules with teachers and Guidance. To be clarified are the procedures for arranging a timetable for the partner, and whether this can be done prior to school opening or if the partner should accompany the Canadian student for a few days until a timetable can be arranged. It is recommended that you schedule a guidance appointment for your exchange partner after his or her arrival in August. It is critical that the visiting students be attending classes from the outset.

During the fall term, parents should make every attempt to attend the parents’ night at school to ensure that the appropriate teachers are aware that the Canadian student will be attending school out of the province for nine or twelve weeks the following spring. Parents and secondary students should discuss with Guidance how staff will be informed, and discuss directly with teachers how course work and assignments will be covered.

In Case of a Problem

When a concern arises, please contact your regional marketing manager or the ISE office as soon as possible. Open communication with the visiting student and his or her parents is the best way to resolve problems.

The visiting students are provided with the contact information for our office and when the Canadian students leave they will also be given the contact numbers for the exchange office in their applicable destination. If an ongoing problem cannot be resolved through discussion with the partner and host family, the exchange organization in the host country must then be contacted.

When a serious problem continues despite everyone’s best efforts, it is essential that the host exchange office be informed and the situation dealt with so as not to delay the resolution of the problem. A change of home or early return for the student does not mean that the exchange is over. Every effort will be made to find an alternate suitable placement so that the student can complete the exchange.

Parents must not wait until the visiting student has completed his/her stay and returned home before advising the exchange offices of a problem which could result in deciding that their own son or daughter will not complete the exchange with the first exchange partner. Attempting to deal with a situation “after the fact” can significantly jeopardize efforts to find a new partner and/or host family. Serious concerns and/or violation of the rules of the exchange program must be dealt with during the student's stay.

ISE Ontario, along with your regional program manager, are the contacts for Ontario parents both during the hosting period and while the Canadian students are abroad.

Withdrawal from the Program or Change of Status

If you decide for any reason not to proceed with this exchange once a match has been accepted, you must immediately advise the ISE office. Make sure that you inform your partner of your decision to withdraw. Please see our Refund Policy regarding what portion of your fees are refundable.

Changes in family structure and situation do occur. Please notify the ISE office immediately of such changes, including change of address or telephone number, social habits (smoking), boy/girlfriends, health, parental separation, etc.

Rules for All Exchange Participants

All participants are expected to behave responsibly and act as good ambassadors during the program. Disregarding the rules of the exchange will lead to expulsion from the program and an early return home at the student’s expense.

The following rules apply to the Canadian student and to his/her exchange partner, and are in effect for both the hosting and visiting portions of the exchange.

1 Attendance at school is mandatory except for legitimate reasons such as illness. Exchange participants must be attentive during classes and make every effort to do the work assigned. Unauthorized absences will result in termination of the exchange.

2 The house rules of the host family must be obeyed whether they are similar or different from those of the visiting student. The host parents assume parental responsibility for the visiting student and must know his/her whereabouts at all times.

3 Use of illegal drugs is absolutely forbidden and will result in immediate termination of the exchange (prescription medication excluded).

4 Attitudes toward alcohol and smoking vary greatly from country to country. In all cases, irresponsible use by Ontario or visiting exchange students will result in the immediate termination of the exchange. The legal drinking age in Ontario is 19. The legal age to purchase cigarettes is also 19. Visiting students must accept this.

5 Driving a motorized vehicle and hitchhiking are strictly forbidden both for the visiting student and Canadian student while in the visiting country on exchange.

6 Travel during the exchange is restricted to excursions with the school or a member/members of the host family. Where such excursions with the host family or school involve travelling outside the host country, a letter of authorization from the visiting student’s parents is required, with a copy for each exchange organization and the host family. In some cases, a visa may also be required by the country being visited and must be obtained in the exchange student’s home country prior to departure. The embassy or consulate of the country to be visited should be contacted for requirements.

7 It is absolutely forbidden to receive, create or distribute information which is unlawful including but not limited to materials or images which are racist, pornographic, dangerous, obscene or inconsistent with the values of the host family.

8 Students must abide by the laws of the country they are visiting.

CONDITIONS OF PARTICIPATION

Our signatures below confirm that we have read and agree to the Conditions of Participation and consent to receive communications from ISE Ontario electronically or by mail.

____________________________________________________________ ______________________________________________ _____________________________ Name of Parent(s) / Legal Guardian(s) Signature Date (DD/MM/YY)

____________________________________________________________ _______________________________________________ ____________________________

Name of Participating Student Signature Date (DD/MM/YY)

1 I/WE CONSENT to my/our child’s participation in this exchange program and understand that he/she/we must abide by the Conditions of Participation as outlined for the duration of the exchange program.

2 I/WE AGREE to host the visiting exchange student during the exchange period and treat him/her as a member of our family; to provide all three daily meals, a warm, safe and friendly atmosphere and a safe means of travel to and from school; where school bus transportation is necessary we will be responsible for making these arrangements; to help him/her adjust to new surroundings; to assume parental care for the exchange student; to ensure that he/she is immersed in the target language and given full opportunity to hear and use English at home as well as at school; and to ensure that he/she is exposed to as many cultural activities as possible, all of the foregoing at no cost to the visiting exchange student.

3 I/WE DECLARE that my/our home is free of substance abuse, physical abuse, or any other form of abuse; that no one living in the host home(s) where the visiting student will be living has been convicted of a criminal offence or has criminal charges pending; and that a clear vulnerable sector check from my/our local police department has been provided for each person aged 18 and over living in the host home(s), as required by ISE ONTARIO.

4 I/WE UNDERSTAND that student exchange participants must consider their exchange partner to be their first priority during the hosting period. Neither partner will overuse cell phones, email, or social media. Overuse reflects a lack of consideration for the exchange partner. Due to the expense of repairing or replacing electronic devices, we will not allow exchange students to borrow or lend devices while on exchange. ISE will not assume any responsibility from damage/loss in these situations.

5 I/WE UNDERSTAND that a student exchange participant may need to work part time and that while hosting their exchange partner, hours are to be reduced and weekend shifts avoided in order to maximize the time available to be with the exchange partner.

6 I/WE UNDERSTAND that this is a RECIPROCAL EXCHANGE and that I/we have an obligation to host a visiting student for the time designated. Should I/we not fulfill said obligation, additional fees may apply. I/we understand that where the visiting exchange student is placed in a second family as a result of mismatching, every effort will be made to find an alternate, suitable placement so that my/our child can complete the exchange.

7 EXCLUSION OF LIABILITY: I/WE clearly understand that my/our child’s host family, the education and/or school authorities and exchange officials in the host country, the school and/or school board where my/our child is a resident student, and ISE Ontario together with its directors, officers, employees, and volunteers assume no legal responsibility or liability for participating students.

8 MEDICAL AND DENTAL AUTHORIZATION: I/WE I/We authorize all medical and dental attention for my/our child judged necessary by medical authorities in the host country or the host family in the event of an accident or serious illness. I/We understand that every attempt will be made to reach me/us by telephone in case of emergency.

9 GROUP TRAVEL: I/WE understand that my/our child is expected to travel to and return from the exchange country with the exchange program group, I/We confirm that our child has permission to travel with ISE designated chaperones and their host family during the duration of the program.

10 TRAVELING IN THE HOST COUNTRY: a) I/WE understand that exchange program participants must attend school and therefore travel during the exchange program is restricted to excursions

with the host school or member/members of the host family, without exception. Where such excursions involve travel outside the host country, a letter ofauthorization from the Canadian parent(s) is required.

b) Exchange families are encouraged to discuss outings provided by host families, schools, or other organizations for acceptance. Exchange familiesassume any and all risk and responsibilities associated with outings provided by the above and understand communication should be had to discerncomfort level and skills needed for participation in such activities.

11 I/WE PERMIT ISE ONTARIO to videotape and/or photograph my/our child while participating in program activities with the understanding that these materials will be used only for promotional purposes.

12 EXPULSION FROM THE PROGRAM: The exchange program authorities reserve the right to immediately withdraw a student from the exchange program and arrange for an early return home, with no liability or cost to the exchange program authorities or to the host family, for any of the following:• withholding information and/or failure to tell the truth on the application form• failure to disclose any past or present medical treatment for physical or psychological conditions or disorders (including anorexia or bulimia)• use of illegal drugs or abuse of alcohol• driving a motorized vehicle OR hitch-hiking• unauthorized absence from school; unwillingness to be attentive during classes and to do the work assigned• failure to accept the authority of school and exchange officials AND/OR failure to comply with the house rules of the host family• undertaking independent travel that is not with the host school or the host family members• breaking the law of the host country, including, without limitation, shoplifting• receiving, creating or distributing information which is unlawful including but not limited to materials or images which are racist, pornographic, dangerous,obscene or inconsistent with the values of the host family• failure to abide by the Conditions of Participation

13. PRIVACY WAIVER: I/WE PERMIT ISE ONTARIO to share this application in part or in whole with partner organizations, staff, volunteers, hostfamilies and host schools in Canada, Europe & China.

Health Form & Immunization Record

All participating exchange students require a current Health Form with Immunization Record. Participants were asked to submit their Health Form with immunization records along with their completed application. Proof of immunizations are required to enroll in school in Europe.

Visiting students will bring an up to date record of immunizations to be presented for registration in schools. Requirements may differ from school board to school board, and admission can be delayed should additional immunization be deemed necessary. Canadian parents may wish to inquire about the requirements specific to their local health authority so that the visiting student can be advised prior to arrival in Canada.

Visiting Students’ Insurance Information

Visiting exchange students are all covered by individual or group medical insurance plans. The parents of the visiting student should be advised as quickly as possible that medical attention will be required or has occurred. They will immediately open an insurance claim with their insurance company. Typically up-front payment is required at any clinic, hospital or doctor's office in Canada. If the visiting student does not have the means to pay this up front (i.e. a credit card), you will be required to pay on their behalf and submit the detailed receipts to their parents within 48 hours of the medical attention. Detailed receipts should include information regarding illness and treatment.

The visiting student's parents should reimburse you as soon as possible for this expense. Using the receipts you provided them, the student's parents will submit a claim to the insurer and await reimbursement from them. The specific details for each exchange group will be provided to Canadian parents prior to the arrival of the visiting students. Swiss students come with private insurance and their parents must be advised that a claim should be opened.

Canadian Students’ Insurance Information

Canadian participants will be provided with all inclusive medical/travel and cancellation insurance through Manulife Global. While on exchange, the hosting parents will tell you as soon as possible that medical attention will be necessary or has already been given. You must call Manulife and let them know that this has happened. Some health centres in Europe will deal with an insurance company or you must reimburse the host parents if they have paid and asked for the detailed receipts for the insurance company.

Travel Insurance for their time abroad, is part of the program fees paid to ISE Ontario.

For exchanges to Quebec, OHIP or other provincial insurance should be recognized for payment just as it is in other provinces. If payment is required, send a detailed receipt to your local Ministry of Health office upon your return to Ontario.

The following pages provide the details of the insurance coverage provided by Manulife.

IN THE EVENT OF AN EMERGENCY,CALL THE ASSISTANCE CENTRE IMMEDIATELY

1 877 251-4517 toll-free from the USA and Canada

+1 (519) 251-7423 collect where available

Our Assistance Centre is there to help you24 hours a day, every day of the year.

Don’t forget yourWallet Card!

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Travel InsuranceYOUTH POLICY

MGPOLYT1117E11/2017 EFFECTIVE NOVEMBER 2017

This policy is underwritten by

The Manufacturers Life Insurance Companyand

First North American Insurance Company,a wholly owned subsidiary of Manulife.

PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8This policy is underwritten by The Manufacturers Life Insurance Company and First NorthAmerican Insurance Company, a wholly owned subsidiary of Manulife.Manulife and the Block Design are trademarks of The Manufacturers Life InsuranceCompany and are used by it, and by its affiliates under licence.© 2017 The Manufacturers Life Insurance Company. All rights reserved.

Accessible formats and communication supports areavailable upon request.

Visit Manulife.com/accessibility for more information.

37

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edical attention or must m

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your trip,call us for assistance first. The Assistance Centre is open 24 hoursa day, every day of the year.

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mobile app,

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The Manufacturers Life Insurance Com

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If youneed m

edical attention or must m

ake any other type of claim during

your trip,call us for assistance first. The Assistance Centre is open 24 hoursa day, every day of the year.

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mobile app,

ACMTravelA

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ergency,or prior to any treatm

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IMPORTANT NOTICE – PLEASE READ CAREFULLY

• Travel insurance is designed to cover losses arisingfrom sudden and unforeseeable circumstances. It isimportant that you read and understand yourpolicy before you travel as your coverage may besubject to certain limitations or exclusions.

• Your policy may not provide coverage for medicalconditions and/or symptoms that existed beforeyour trip. Check to see how this applies in yourpolicy and how it relates to your departure date,date of purchase or effective date.

• In the event of an accident, injury or sickness, yourprior medical history may be reviewed when aclaim is made.

• If your policy provides travel assistance, you maybe required to notify the designated assistancecompany prior to treatment. Your policy may limitbenefits should you not contact the assistancecompany within a specified time period.

PLEASE READ YOUR POLICY CAREFULLY BEFORE YOU TRAVEL

HELP IS JUST A PHONE CALL AWAY.Our multilingual Assistance Centre is there to help andsupport you 24 hours a day, every day of the year, with:

Pre-Trip Information√ Passport and Visa information

√ Health hazards advisory

√ Weather information

√ Currency exchange information

√ Consulate and Embassy locations

During A Medical Emergency√ Verifying and explaining coverage

√ Referral to a doctor, hospital, or other health careproviders

√ Monitoring your medical emergency and keepingyour family informed

√ Arranging for return transportation home whenmedically necessary

√ Arranging direct billing of covered expenses(where possible)

Other Services√ Assistance with lost, stolen or delayed baggage

√ Assistance in obtaining emergency cash

√ Translation and interpreter services in a medicalemergency

√ Emergency message services

√ Help to replace lost or stolen airline tickets

√ Assistance in obtaining prescription drugs

√ Assistance in obtaining legal help or bail bond

IN THE EVENT OF AN EMERGENCY, CALL THE ASSISTANCE CENTRE IMMEDIATELY

1 877 251-4517 toll-free from the USA and Canada+1 (519) 251-7423 collect where available.

TRAVEL ASSISTANCE. ANYWHERE INTHE WORLD.Before you travel, be sure to download ACM’s freeassistance & claims app, ACM TravelAid™. The GPS-enabled ACM TravelAid™, available from Google Playand App store, provides travellers with the followingservices, from anywhere in the world:

• Direct link to the assistance centre• Healthcare provider information• Directions to the nearest medical facility• Official travel advisories• Travel tips• Claim submission support

The TravelAid mobile app can also provide you withlocal emergency telephone numbers (such as 911 inNorth America), and pre- and post-departure travel tips.We recommend that you download the app before youtravel to avoid incurring roaming charges that mayapply at your destination.

1

YOUTH TRAVEL INSURANCE POLICY

IN THE EVENT OF AN EMERGENCY, CALL THE ASSISTANCE CENTRE IMMEDIATELY

1-877-251-4517 toll-free from the USA and Canada

+1 (519) 251-7423 call collect where available

Our Assistance Centre is there to help you 24 hours a day, every day of the year.

Our Assistance Centre can also be contacted through the ACM TravelAid™ mobile application.

Please note that if you do not contact the Assistance Centre in an emergency or prior to treatment, you will have to pay 25% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf.

IMPORTANT INFORMATION ABOUT YOUR INSURANCE:

This policy is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC), a wholly owned subsidiary of Manulife. Manulife has appointed Active Claims Management Inc. (operating as “Active Care Management”) as the provider of all assistance and claims services under this policy.

WHAT’S INSIDE

Schedule of Benefits p. 2Coverage Requirements p. 3Period of Coverage p. 4–5Trip Cancellation / Interruption / Disruption Insurance p. 6–15Emergency Medical Insurance p. 16–21Travel Accident Insurance p. 22–23Baggage and Personal Effects Insurance p. 24–25Act of Terrorism Coverage p. 26–27General Exclusions p. 27–28Definitions p. 28–31General Conditions p. 32–33Claim Provisions p. 33–34Privacy p. 35

NOTICE REQUIRED BY PROVINCIAL LEGISLATIONThis policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit insurance money is to be payable.

2 3

COVERAGE REQUIREMENTS

Travel insurance must be purchased based upon age, length of travel and other restrictions set forth in this policy.

Plan Age Restrictions

Length Of Travel Other Conditions

Youth All-Inclusive Plan

Over 30 days old and up to age 29

Trips up to 365 days

Valid Canadian government health insurance plan. Coverage must be purchased for the full duration and for the full value of the prepaid non-refundable portion of the trip up to $5,000.

Youth Emergency Medical Only Plan

Over 30 days old and up to age 29

Trips up to 365 days

Valid Canadian government health insurance plan.

Schedule of BenefitsCoverage Requirem

ents

Travel Insurance Policy

Coverage for any benefit under this policy is subject to receipt of your confirmation and payment of the required premium. In the event you incur eligible expenses and/or losses that are covered by the insurance plan you have purchased, we will reimburse eligible expenses and/or pay benefits for covered losses, subject to the terms, conditions, limitations and exclusions stated in this policy.

* Please check pre-existing condition exclusions applicable to your age group for Emergency Medical Coverage (see page 20) and/or Trip Cancellation/Interruption/Disruption Coverage(see page 12).

SCHEDULE OF BENEFITSLimitations apply, please see policy for details

BENEFIT SECTION YOUTH ALL-INCLUSIVE PLAN

YOUTH EMERGENCY

MEDICAL PLAN

TRIP CANCELLATION / INTERRUPTION / DISRUPTION (page 6)

Trip Cancellation (page 6) Up to Sum Insured (Maximum $5,000) N/A

Trip Interruption (page 7) Economy N/A

Tour/Cruise Cancellation (page 11) Up to $1,000 N/A

Schedule Change (page 10) Up to $1,000 N/A

Accommodation & Meal Expenses for Trip Interruption (page 7)

Up to $300 N/A

Accommodation & Meal Expenses for Trip Disruption (page 11)

Up to $300 N/A

EMERGENCY MEDICAL (page 16)

Hospital & Medical Up to $1,000,000 Up to $1,000,000

Accidental Dental Up to $1,000,000 Up to $1,000,000

Medical Evacuation & Return Home Up to $1,000,000 Up to $1,000,000

Accommodation & Meal Expenses Up to $3,500 Up to $150

Visit to Bedside Round Trip Economy Fare

Round Trip Economy Fare

Return & Escort of ChildrenEscort: Round

Trip Economy + Children: One Way

Economy Fare

Escort: Round Trip Economy +

Children: One Way Economy Fare

Repatriation of Remains Reasonable expenses

Reasonable expenses

Cremation / Burial at Destination Up to $5,000 Up to $3,000

Vehicle Return Reasonable return cost

Reasonable return cost

Hospital Allowance Up to $500 Up to $500

Child Care Cost Up to $500 Up to $500

TRAVEL ACCIDENT (page 22)

Air Flight Accident Up to $25,000 N/A

Worldwide Accident Up to $10,000 N/A

BAGGAGE & PERSONAL EFFECTS (page 24) Up to $500 N/A

Delayed Luggage Up to $100 N/A

Delayed Sporting Equipment Up to $150 N/A

Lost Luggage Maximum Per Item Up to $300 N/A

4 5

Automatic Extension

Under Trip Interruption Insurance, we will extend your coverage beyond the date you were scheduled to return home as per your confirmation:

a) for up to 10 days, if you have a medical condition that prevents youfrom returning home on that date; or

b) for up to 30 days, if you are in hospital and that hospitalizationprevents you from returning home on that date.

However, if travel is medically possible before the 10 or 30 days have passed, we will honour your claim for eligible expenses only until that earlier date.

Under all other types of insurance, we will extend your coverage automatically beyond the date you were scheduled to return home as per your confirmation if:

a) your common carrier is delayed. In this case, we will extend your coverage for up to 72 hours; or

b) you or your travel companion is in hospital on that date. In this case, we will extend your coverage while in hospital and for up to 5 daysafter discharge from the hospital; or

c) you or your travel companion has a medical condition that does notrequire admission to hospital but prevents travel. In this case, we will extend your coverage for up to 5 days.

In all cases and for all plans, we will not extend any coverage beyond 12 months after your effective date of insurance.

What If I Stay Longer Than Planned?

Extensions: If you have not left home, simply call your distributor of Travel Insurance to ask for the extension. If, however, you are already on your trip, and need to apply for an extension of your coverage, simply call your distributor of Travel Insurance before the expiry date of your existing coverage. You may be able to extend your coverage, subject to an extra premium, as long as the total length of your trip does not exceed 365 days.

If you have not had or expect to have a medical condition or claim since your policy was issued, the extension will be issued right away. Otherwise, the extension is subject to the approval of the Assistance Centre.

Top-ups: To Top-up another insurer’s plan for trips longer than the number of coverage days you have, simply call your distributor of Travel Insurance before you leave home for the additional coverage days required. It is your responsibility to confirm that a Top-up is permitted on your existing plan with no loss of coverage.

How Do I Get a Refund of Premium?

If you return home before the date you were scheduled to return home as per your confirmation, and have not had a claim, you may ask for a refund of the premium for the unused days of your Emergency Medical Insurance coverage purchased for your trip. Simply contact your distributor of Travel Insurance to ask for the refund and provide proof of the date you actually returned home.

Please note, all travellers insured under the same policy must return together to be eligible for a refund.

Period of Coverage

PERIOD OF COVERAGE

The period of coverage under this policy shall not exceed 12 consecutive months for any one trip.

The trip must originate and terminate in Canada except for benefits under Trip Cancellation/Trip Interruption/Trip Disruption.

This insurance must be purchased prior to departure from your province or territory of residence in Canada and for the complete duration of the trip.

THE DATE YOUR COVERAGE STARTS / YOUR EFFECTIVE DATE OF COVERAGE

Trip Cancellation Insurance coverage starts at the date and time you pay the premium for that coverage.

Top-Up Coverage: If you purchased this insurance as a Top-Up to another plan, coverage starts after you leave home, on the start date of Top-Up coverage indicated on your application which must correspond to the first day after expiration of your other plan.

For all other benefits, coverage starts on your departure date.

THE DATE YOUR COVERAGE ENDS / YOUR COVERAGE EXPIRY DATE

Trip Cancellation Insurance coverage ends on the earlier of:

a) your departure date; or

b) the date you cancel your trip.

For all other benefits, your coverage ends on the earliest of:

a) the date you return home*;

b) the expiry date, as shown on your confirmation; or

c) when the number of days of coverage you purchased expires.

* Your insurance coverage will not end if you temporarily returnhome

If you are covered under the Youth All-Inclusive Plan, your insurance coverage will not end if you temporarily return to your province or territory of residence prior to your return date for the purpose of attending a funeral or to go to the hospital bedside of an immediate family member and then resume your trip. In such a case, your policy will remain in effect up to your return date. However, you will not be covered for any pre-existing condition, sickness or injury for which you, or any other person whose medical condition gives rise to a claim, had sought or received medical treatment, or for which medication had commenced, or been changed in type, usage or dosage during the 90-day period immediately prior to the date you resumed your trip.

If you have requested and received prior approval from our Assistance Centre, you may return to your province or territory of residence to attend special events. Your medical coverage will not terminate but will be suspended for the duration of your temporary return. Your medical coverage will resume once you begin travel but, if you receive treatment in Canada for sickness or injury during your temporary return, then any treatment received on your return to your destination relating to the medical conditions previously treated in Canada will not be covered.

In all cases of such temporary returns, there will be no refund of premium for any of the days that you have returned to your province or territory of residence.

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Trip Interruption - On or After Departure

If your trip is interrupted on or after your departure date due to the occurrence of any one of the Events Covered for Trip Cancellation or Trip Interruption Insurance, you will be reimbursed for:

1. The extra cost of one-way economy transportation via the mostcost-effective itinerary to continue your trip as originally booked, or to return to the original departure point.

If you are required to interrupt your trip to attend a funeral or goto the bedside of a hospitalized immediate family member, you have the option to purchase an economy round-trip ticket; and you will be reimbursed for the cost of the round-trip ticket, up to theamount of one-way economy transportation back to the departure point of your trip.

2. a) The unused non-refundable prepaid portion of your insured travel arrangements (except the cost of prepaid unused transportation back to your departure point); or

b) If applicable, the next occupancy charge if your travel companion, with whom you have prepaid shared accommodation, cancelsand you elect to continue the trip as originally planned.

3. Published cancellation fees imposed for the early return of arental vehicle prior to the contracted date of return and publishedcancellation fees imposed by hotels for unused accommodations.

4. Extra expenses incurred for commercial accommodation andmeals, essential telephone calls and taxi fares caused by theinterruption of your trip, up to $150 per day to a maximum of $300.

Original receipts must be provided when claiming this benefit.

5. In the event of your death resulting from a covered injury orsickness while on the trip:

a) the reasonable costs incurred for preparing and transportingyour remains back to your departure point in Canada; or

b) the cost of cremation and burial of your remains at the locationwhere death occurs, to the maximum of $3,000.

No benefit is payable for the cost of a headstone, casket, urn and/or funeral service expenses.

No benefit will be payable under item Trip Interruption – On or After Departure, if you are eligible and qualify to receive the payment for the same expenses under any other benefit section of this policy.

Trip Cancellation/Interruption/Disruption

TRIP CANCELLATION, TRIP INTERRUPTION AND TRIP DISRUPTION INSURANCE

Included in the Youth All-Inclusive Plan only.

To be sure you have full coverage for your trip, you must have purchased Trip Cancellation, Trip Interruption and Trip Disruption coverage before any cancellation penalties applied.

When Does Coverage Apply?

Trip Cancellation applies when a covered event occurs prior to your departure date.

Trip Interruption applies when a covered event occurs on or after your departure date.

Schedule Change applies when, after the start date of your coverage, the airline carrier providing transportation for a portion of your trip changes the scheduled departure of your flight to a later or earlier departure which results in the flight being unusable or causes you to miss a connection.

Cancellation of Your Tour/Cruise applies when your Tour/Cruise is cancelled for reasons specified in the Tour/Cruise Cancellation Benefit section of the policy.

Trip Disruption applies when a covered event occurs during the course of your travel to and from your departure point and causes a delay of your departure or delay of your return back to your departure point.

Trip Cancellation - Prior to Departure

If you must cancel your trip prior to your departure date due to the occurrence of any one of the Events Covered for Trip Cancellation or Trip Interruption Insurance, you will be reimbursed up to the sum insured as you selected at time of application:

a) the non-refundable portion of your prepaid insured travelarrangements, published service fees, published cancellation feesas well as other administrative handling fees and service feesspecifically indicated by your travel supplier on your confirmation; or

b) the next occupancy charge, if your travel companion with whom you have prepaid shared accommodation cancels and you elect to travel as originally planned; or

c) the change fee charged for rebooking your insured travelarrangements when such an option is made available by your travel supplier.

To cancel a trip prior to your scheduled departure date, you must cancel your trip with the travel supplier immediately, or at the latest, the business day following the cause of cancellation.

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15. The requirement that you or your travel companion attend a registered professional career course examination or a university or college course examination on a date that occurs during your trip, provided the examination had a set date and time that was published before you purchased this insurance and subsequently changed after such purchase.

16. Your or your travel companion’s failure of an examination which requires you or your travel companion to re-sit the examination during your trip.

17. The cancellation of your school trip by the school board due to: • a teachers’ labour strike; or

• the school board determines there is a risk of harm to you during your school trip because of an identified threat arising from an event that occurred within 90 days of your scheduled departure date.

In addition, the school trip, or a portion of the school trip, includes a visit or a stay in the area or vicinity where the event occurred.

Government and Legal18. The Government of Canada issues an “Avoid Non-Essential Travel”

or an “Avoid All Travel” Travel Advisory after you purchase your insurance, advising or recommending that Canadian residents should not visit a destination included in your trip.

19. You, your travel companion or the spouse or children of either are, during your coverage period, a) called to jury duty; b) subpoenaed as a witness; or c) required to appear as a defendant in a civil suit.

20. The non-issuance of your and/or your travel companion’s travel visa (excluding an immigration or employment visa), for reasons beyond your or your travel companion’s control, other than due to late application or a subsequent attempt for a visa that had previously been refused provided you or your travel companion were eligible to make such an application.

Accommodations and Transportation21. A disaster which renders your or your travel companion’s principal

residence uninhabitable or place of business unusable.22. 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.

23. Death, admission to hospital or quarantine of the person with whom you have arranged overnight accommodation for the majority of your trip at their usual place of residence, not including commercial facilities.

24. A disaster which renders uninhabitable the residence of the person with whom you have arranged overnight accommodation for the majority of your trip or renders uninhabitable your pre-booked destination accommodations, which is not eligible for reimbursement from the travel supplier.

Supplier Default25. Complete cessation of operations by a contracted travel supplier

or airline (excluding United States of America air carriers unless part of a package), provided the entity held a valid National Transportation Agency Licence and a valid operation certificate issued by Transport Canada.

Hijacking26. Hijacking of you, your travel companion or the spouse or children of

either.

Weather27. Weather conditions, earthquakes or volcanic eruptions causing the

scheduled common carrier, on which you or your travel companion is booked to travel, to be delayed for at least 30% of the duration of your trip.

EVENTS COVERED FOR TRIP CANCELLATION OR TRIP INTERRUPTION INSURANCE

Trip Cancellation or Trip Interruption of your trip must result from any one of the UNFORESEEN EVENTS listed below occurring during the period of coverage:

Medical Related Events1. The unexpected sickness or injury of you, your travel companion,

or a member of your or your travel companion’s immediate family travelling with you on the trip.

2. The unexpected sickness or injury of a member of your or your travel companion’s immediate family, or key-person not travelling with you on the trip.

3. You or your travel companion are medically unable to receive an injection or medication that is suddenly required for entry into a country, region or city originally ticketed in your insured travel arrangements, provided this requirement was not mandatory on the date of application for insurance.

4. If you miss 75% of your trip because you had to interrupt your travel due to the admission to hospital or death of your immediate family member, your key-person not travelling with you, a $750 travel voucher will be issued to you. The voucher is non-transferable and must be used within 180 days of the early return date and must be used at the travel agency that originally booked the interrupted trip.

5. Quarantine of you, your travel companion or the spouse or children of either.

Pregnancy and Adoption6. Complications of pregnancy which occur within the first 31 weeks

of your or your travel companion’s, or your spouse’s or travel companion’s spouse’s pregnancy.

7. Pregnancy that is diagnosed after the date you book your trip, if the trip is scheduled to take place within 9 weeks or less of your, your spouse’s, your travel companion’s or your travel companion’s spouse’s expected date of delivery, or if the physician advises against travel in the first trimester of the pregnancy.

8. The early and unexpected birth of your immediate family member not travelling with you during your trip.

9. The legal adoption of a child by you or your travel companion, when the actual date of the adoption is scheduled to take place during the trip and the actual notice of the adoption was received after you book your trip.

Death10. The unexpected death of you, your travel companion, or a member

of your or your travel companion’s immediate family travelling with you on the trip.

11. The unexpected death of a member of your or your travel companion’s immediate family, key-person or of a friend not travelling with you on the trip.

Work and Educational Obligations12. You, your spouse or your travel companion being transferred by the

employer with whom you, your spouse or travel companion were employed at the time of application for this insurance, which requires a relocation of your or your travel companion’s principal residence.

13. You, your spouse or your travel companion being called to emergency service as a member of a Police Force, Armed Forces, Reserves, Fire Fighting Unit or essential medical personnel.

14. You, your spouse or your travel companion’s involuntary loss of permanent employment (excluding contract or self-employment), due to layoff or dismissal without just cause, provided that you had no knowledge of such action prior to the date of application for insurance.

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way economy airfare on a commercial airline, to modify or replace the portion of the trip that was rendered unusable so as to permit you to continue your travel arrangements as originally scheduled; or

b) if you misconnect due to the schedule change to another portion of your travel arrangements: the change fee charged by the airline carrier, or up to $1,000 for the extra cost of an economy one-way airfare via commercial airline by the most cost-effective itinerary to the next destination of your trip, either inbound or outbound (including return to your departure point).

Cancellation of connecting airline carrierAlternatively to the benefit available under ‘Schedule Change Causing a Missed Connection’, in the event there is a cancellation of a flight by an airline carrier that is providing a portion of your insured travel arrangements, you will be reimbursed for the non-refundable prepaid airfare that is no longer useful for your trip up to a maximum of $1,000.

Tour/Cruise Cancellation BenefitIf your trip includes a Tour/Cruise and if such Tour/Cruise is cancelled for any reason other than supplier default and the cancellation occurs:

a) prior to your departure from your departure point: you will be reimbursed for your non-refundable prepaid airfare that is not part of your Tour/Cruise package up to $1,000;

b) after your departure from your departure point but prior to the departure of the tour/cruise ship: you will be reimbursed for the lesser of:

i) the change fee charged by the airline carrier(s) involved to return you to the departure point of your trip, if such an option is available; or

ii) the extra cost of an economy one-way airfare on a commercial airline via the most cost-effective itinerary route to return to the departure point of your trip up to $1,000.

Lost or Stolen PassportIf your or your travel companion’s passport and/or travel visa is lost or stolen during your trip, you will be reimbursed for reasonable travel and accommodation expenses until the lost or stolen travel documentation is replaced. You will also be reimbursed for the change fee charged by the airline up to a maximum of $1,000.

Accommodation and MealsIf your trip is disrupted as a result of any of the events covered under sub-sections of the Trip Disruption Section and you necessarily incur extra expenses for commercial accommodation and meals, essential telephone calls and taxi fares, you will be reimbursed for such expenses up to $150 per day to a maximum of $300.

Original receipts must be provided when claiming this benefit.

If the hotel room that is part of your insured travel arrangements is rendered uninhabitable due to a flood or natural disaster during your trip, you will be reimbursed up to a maximum of $250.

In the event that the hotel room that is part of your insured travel arrangements is no longer available due to overbooking and your tour operator provides you with a lesser-quality hotel, you will be reimbursed up to a maximum of $250.

Original receipts must be provided when claiming these benefits. Benefits available under this sub-section of Trip Disruption will apply provided that all travel arrangements were booked prior to or concurrently with the trip.

Trip Disruption (Delays, Schedule Change, Cancellations and Other Covered Events)Trip Disruption of your trip must result from any one of the UNFORESEEN EVENTS listed below occurring during the period of coverage:

Delays1. If weather conditions, earthquakes or volcanic eruptions

cause the scheduled common carrier on which you or your travel companion are booked to travel for any portion of your insured travel arrangements to be delayed for a period of at least 30% of the trip duration, and you choose not to continue with the insured travel arrangements, you will be reimbursed:

a) the unused non-refundable prepaid portion of your insured travel arrangements (except the cost of prepaid unused transportation back to your departure point), published service fees, published cancellation fees and other administrative handling fees and service fees specifically indicated on your confirmation;

b) the one-way economy transportation via the most cost-effective itinerary back to your departure point.

2. If weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier on which your travel companion is booked to travel to be delayed for a period of at least 30% of the trip duration, and your travel companion cancels their travel arrangements, you will be reimbursed for the extra cost of the next occupancy charge, if you elect to continue your trip as originally planned.

3. Provided you had left enough travel time to comply with the travel supplier’s normal check-in procedure, if you miss a connection (at any point in your insured travel arrangements ) or are required to interrupt your insured travel arrangements as a direct cause of the following events:

i) delay of the private automobile in which you or your travel companion are travelling, caused by mechanical failure of that automobile, weather conditions, earthquakes or volcanic eruptions, a traffic accident or emergency road closure by police; or

ii) delay or cancellation of your or your travel companion’s connecting common carrier, such as a commercial airline, ferry, cruise ship, bus, limousine, taxi or train, caused by mechanical failure of that common carrier, weather conditions, earthquakes or volcanic eruptions, unannounced strike, a traffic accident or emergency road closure by police; or

iii) your cruise ship is delayed or the itinerary is modified due to the emergency medical condition of another passenger;

you will be reimbursed for:

a) the non-refundable unused portion of your prepaid insured travel arrangements, excluding the cost of prepaid unused transportation back to your departure point;

b) the extra cost of a one-way economy transportation via the most cost-effective itinerary to the next destination of your trip, inbound or outbound, including return to your departure point.

Schedule Change Causing a Missed ConnectionIf there is a schedule change by the airline carrier on which you are booked to travel for any portion of your trip and this either renders a portion of your trip unusable, or causes you to misconnect with a portion of your trip, you will be reimbursed for:

a) if the trip is no longer usable due to a schedule change: the change fee charged by the airline carrier, otherwise the extra cost of a one-

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6. In the event a contracted travel supplier or common carrier ceasesoperations, the amount payable under this policy for actual financial loss is limited to the amount in excess of the amount recoverablefrom a provincial compensation fund, up to the sum insured to amaximum of $5,000. This policy will not pay any other amountswith respect to such loss, and will in no circumstances provide orbe deemed to provide primary coverage in respect of such loss.

Our maximum aggregate liability under this policy and allother policies issued by us, as a result of the financial default of any one contracted travel supplier, is $1,000,000 regardless of the number of claims. Where the aggregate eligible claimsexceed this limit, the eligible claims will be reduced on a prorata basis.

Our maximum aggregate liability under this policy and allother policies issued by us under this benefit is limited to$5,000,000 per calendar year regardless of the number ofincidents of default of contracted travel suppliers. Where theaggregate eligible claims in a calendar year exceed this limit,the eligible claims will be reduced on a pro rata basis andwill be paid after the end of the calendar year. In the eventthe bankruptcy or insolvency occurs prior to departure, themaximum payable to you will be the non-refundable prepaidtravel expenses; after departure, the maximum payable to you will be the unused portion of prepaid non-refundable travelexpenses.

7. If your insured travel arrangements were made via the internet, the benefits under Delay and Schedule Change will apply provided your booked travel arrangements meet these criteria: domestic airlineconnectors must be at least two (2) hours and at least four (4)hours if the connection involves an international connection ortrans-border connection. With respect to mixed connections (suchas airline connecting to a land tour or cruise or any other land-based connection), the scheduled time between arrival at thescheduled tour or cruise departure city and the scheduled tour orcruise departure must be at least eight (8) hours.

8. Your claim for non-refundable prepaid travel arrangements or extra cost incurred as a result of Trip Cancellation, Trip Interruptionor Trip Disruption must be substantiated with the followingdocumentation (delay in providing the required information maydelay the settlement of the claim and failure to provide the required documentation may invalidate or reduce the amount of your claim):

a) in the case of Delay or Schedule Change Causing a MissedConnection, written verification from the delayed connectingcommon carrier or the connecting common carrier effecting the schedule change stating the reason for the delay/schedule change and the period of the delay;

You must also provide your detailed itinerary of the travelarrangements originally booked which must confirm that ample connection times were allowed for each leg of the travel;

b) verification from the connecting common carrier, cruise line ortour operator of their cancellation;

c) verification from your tour operator or cruise ship company oftheir cancellation or schedule change;

d) originals of unused transportation tickets, original invoice fromthe travel provider, official receipts for the return transportation and receipts for hotel and accommodation expenses;


CONDITIONS & LIMITATIONS: TRIP CANCELLATION, TRIP INTERRUPTION

AND TRIP DISRUPTION INSURANCE

1. The sum insured under the Trip Cancellation coverage must befor the full value of prepaid insured travel arrangements that aresubject to cancellation penalties or restrictions.

2. If before your departure date you are prescribed any change inmedication or treatment that would make your medical condition not stable and therefore ineligible for coverage under the EmergencyMedical Insurance coverage, you may apply for our specialconsideration of your particular medical circumstance throughCustomer Service.

To apply, you must provide us with:

• copies of the clinical notes from your treating physician, for theperiod starting when you booked your trip to the date of your request for consideration;

• authorization to physicians and hospitals signed by you;

• complete itinerary for your trip, including prepaid amounts,insured amounts, and cancellation penalties.

Once this information is received, we will, within one business day at our discretion either:

• accept your claim under our Trip Cancellation & Trip Interruption Insurance; or

• waive the change in your medical condition that would otherwisemake you ineligible for benefits under our Emergency MedicalInsurance.

3. You must cancel your scheduled trip with the agent or travel supplieron the day the cause of cancellation occurs or on the next businessday at the latest. Claim payment will be limited to the cancellationpenalties specified in the trip contracts which are in effect on the next business day following the time the cause of cancellation occurs.

4. Cancellation or interruption of your trip as the result of sickness orinjury requires written verification from the attending physician inthe locality where the sickness or injury occurred, complete with the diagnosis and the medical necessity for cancellation or interruption (or for delay beyond the scheduled date of return) of your trip. A“Physician’s Statement” is included in the Trip Cancellation Form.The information required on the Physician’s Statement must becompleted by the attending physician in order for the claim tobe processed. If a physician was not consulted as required bythese conditions or if the information required in the Physician’sStatement is not completed by the attending physician, your claimwill be denied. Settlement is limited to the amount of penalty thatwould have been levied by the travel supplier on the next businessday following the date the physician first recommends cancellation.

5. If travel is delayed for more than 10 days beyond the scheduledreturn date, benefits will be payable only upon satisfactory proofthat the delay resulted from the hospital confinement of you, your travel companion, or an immediate family member who isaccompanying you on the trip.

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EXCLUSIONS: TRIP CANCELLATION, TRIP INTERRUPTION AND

TRIP DISRUPTION INSURANCE

This policy does not cover and no benefit is payable for any claim arising from:

1. Your or your travel companion’s knowledge at time of booking orapplication for this insurance of any reason why the trip might becancelled or abandoned.

2. Cancellation/interruption claims caused by a medical condition that arises during your period of coverage and:

a) for which a physician had advised against travel; or

b) for which you had travelled with the intention of obtainingmedical treatment; or

c) for which you had received a notice of a terminal prognosis priorto travel; or

d) which had produced medical symptoms which would havecaused an ordinarily prudent person to seek medical advice.

3. Travel for the purpose of visiting a person suffering from a medical condition and the medical condition (or ensuing death) of that person is the cause of Cancellation or Interruption of the trip.

4. Travel arrangements and expenses or losses related to travelarrangements not insured by this policy.

5. Losses that arise from missed connections or travel delay if therewas insufficient connection time allowed under the originallybooked travel arrangements.

6. Expenses incurred as the result of inadequate or invalid passport,visa or other documentation required by countries included in your travel arrangements.

7. Your inability to obtain the accommodations desired or your aversion to the trip or to the transportation.

8. Default by your travel supplier where:

i) at the time of booking the travel supplier was in receivership,insolvent or bankrupt or had sought protection from creditorsunder any bankruptcy, insolvency or similar legislation;

ii) the default is by a travel agency, agent or broker;

iii) the loss you incur is recoverable from any compensation planor fund covering default by a travel supplier in your province orterritory of residence in Canada; or

iv) the travel supplier is a United States of America airline, exceptwhen the airline tickets are issued by a tour operator and areone component of an inclusive package. Trip Cancellation/Interruption/Disruption

e) in all other cases you must provide to us, documentary evidence of the risk that is the cause of your cancellation, interruptionor disruption, such as a death certificate, medical report,police report, court documents or other such corroboratingdocuments;

f) if your cancellation/interruption coverage was purchased as Top-up coverage to complement travel insurance coverage that is ineffect through another insurer, you must first claim under theother insurer’s plan before making a claim under this insurance.

9. Any amount payable under this section will be reduced by anyamount recoverable from another source (including but not limitedto alternatives or replacement travel options offered by airlines, touroperators, cruise lines and any other travel supplier) for the samecause.

10. Any liability under this benefit is subject to you not being aware, atthe time of purchasing this policy, of any event that could reasonably prevent you from making the trip as booked.

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Emergency M

edical Insurance

7. Emergency Paramedical Services: Services of a chiropractor,chiropodist, physiotherapist, osteopath or podiatrist whenmedically necessary as the result of an emergency, up to amaximum of $300 per category of practitioner. Excluded arecharges for general examinations for “checkup” purposes,cosmetic treatments, or services performed by an immediate family member.

8. Ground Ambulance: Ground ambulance services to the nearestappropriate hospital or medical service provider when necessary due to a medical emergency. If an ambulance was medically necessary but not available, expenses will be reimbursed forlocal taxi fares. If local taxi services are required to get to andfrom the nearest medical service provider for an emergency, expenses will be reimbursed up to $100.

9. Emergency Medical Evacuation/Return Home: If, in the eventof a medical emergency, our medical advisors and/or theAssistance Centre in consultation with your local attendingphysician determine that you should be transported to anotherhospital or back to your province or territory of residence inCanada for necessary medical treatment, the Assistance Centre will arrange for transportation under proper medical supervision and we will pay expenses for the following:a) the extra cost of one-way economy transportation via

the most cost effective itinerary back to your province orterritory of residence in Canada. This benefit will extendto cover the cost of an airline seat upgrade if determinedmedically necessary and arranged by the Assistance Centre;or

b) a stretcher fare on a commercial flight via the most cost-effective itinerary back to your province or territory ofresidence in Canada, if a stretcher is medically necessary, and the round-trip economy class airfare via the most cost-effective itinerary, plus the reasonable fees and expensesfor a qualified medical attendant to accompany you, when an attendant is medically necessary or required by the airline; or

c) air ambulance transportation, when appropriate andconsistent with the diagnosis, is medically necessary andcould not be omitted without adversely affecting your condition or quality of medical care.

Emergency Medical Evacuation/Return Home Services under this section must be approved and arranged in advance by contacting the Assistance Centre.

10. Accommodation and Meals: Up to $350 per day (24 hours)to a maximum of $3,500 under the Youth All Inclusive Plan orup to a total of $150 under the Youth Emergency Medical Planfor commercial accommodation and meals, essential telephonecalls, taxi fares or rental vehicle charges in the event you arerelocated to receive emergency medical treatment or delayedbeyond the scheduled return date due to a sickness or injury toyou, your travel companion or an immediate family member who is accompanying you on the trip. The claim must be supported by original receipts and the attending physician’s written diagnosis of the sickness or injury.

EMERGENCY MEDICAL INSURANCE

If you incur eligible covered expenses during the period of coverage as the result of an emergency sickness or injury, we will pay the reasonable and customary charges in excess of any amount payable under your government health insurance plan for such eligible expenses, up to the amount specified for any service subject to the overall maximum amount of $1,000,000.

Benefit payments under this policy will be coordinated with benefits available to you under any other type of insurance or prepaid plan, so that reimbursement from all sources will not exceed 100% of the eligible expenses incurred. In any event, coverage and benefits will cease immediately upon your arrival back to your province or territory of residence in Canada.

Eligible expenses shall consist of charges for:

1. Emergency Hospital Services: Hospital room and board chargesor charges for an intensive care room. Alternatively the servicesof private duty nursing, performed by a registered nurse (R.N.)other than a relative, when ordered in writing by the attendingphysician expressly in lieu of hospitalization and arranged by theAssistance Centre. If you are on a cruise ship and are unable topay directly as required by the cruise ship medical provider, theAssistance Centre will make arrangements for direct billing ofcovered expenses, where possible, on your behalf.

2. Emergency Medical Services: Services by a physician or surgeon when necessary to provide treatment due to an emergency.

3. Diagnostic Services: Diagnostic laboratory procedures andx-rays when necessitated by an emergency provided priorapproval is obtained by contacting the Assistance Centre.

4. Prescription Drugs: Drugs and/or medications that are requiredto treat an emergency, provided they are obtained on thewritten prescription of a physician and dispensed by a licensedpharmacist. This includes the replacement cost of your drugs or medications that are lost, stolen or damaged during your trip tothe lesser of $50 or the amount of medication required for thebalance of your trip. Charges for vitamins, vitamin preparations, over-the-counter drugs or medications, contraceptives or birthcontrol are not covered.

5. Medical Equipment: Rental or purchase of durable medicalequipment for therapeutic purposes only, when necessitatedby a medical emergency, provided prior approval is obtained bycontacting the Assistance Centre.

6. Emergency Dental Treatment: Services of a licensed dentistor dental surgeon at your destination, when required to repairnatural or permanently attached artificial teeth which aredamaged due to an accidental blow to the head or mouth.

Up to $1,500 will be reimbursed for continuing dental treatment following your return to Canada, provided the treatment is related to the accidental blow to the head or mouth and the expenses are incurred within 180 days after the date of the accident.

In the event that you require emergency dental treatment torelieve acute pain and suffering that is unrelated to an accidental blow to the head or mouth, up to $300 will be payable.

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Emergency M

edical Insurance

meeting the eligibility requirements of the policy) to cover such relative or close friend during the period required to identify your remains but for not more than 3 business days.

17. Vehicle Return: The reasonable costs incurred for returningyour vehicle to your residence or the nearest appropriate rentaldepot when you are unable to do so due to an emergency.

18. Hospital Allowance: If you are hospitalized for 48 hours ormore, we will reimburse you up to $50 per day, to a maximumof $500 for your incidental expenses (telephone calls, television rental, etc.) while you are in the hospital.

19. Baggage Repatriation: In the event of an emergency, and theAssistance Centre is arranging to return you to your province orterritory of residence in Canada, if there is insufficient space toaccommodate your baggage and/or personal effects aboard thetransport provided, we will reimburse you up to $200 to coverthe cost of shipping your baggage and/or personal effects to theoriginal departure point of your trip.

20. Child Care Cost: We will reimburse you up to $50 per day to amaximum of $500 for professional child care costs in the eventyou are relocated to receive emergency medical treatment ordelayed beyond the scheduled return date due to your sickness or injury. Receipts from the professional child care provider willbe required.

CONDITIONS & LIMITATIONS: EMERGENCY MEDICAL INSURANCE

1. In the event of an emergency which requires assistance,medical treatment or admission to hospital, you must callthe Assistance Centre immediately at 1 877 251-4517 toll-free from the USA and Canada or +1 (519) 251-7423 collect whereavailable, prior to treatment or admission to hospital or within24 hours after a life or organ threatening emergency, unlessyou are unconscious or physically unable. If faced with suchinability, as an alternative, someone else (family member,travel companion, hospital or medical staff) must call on your behalf. If you do not contact the Assistance Centre within thetime specified, you will be responsible for paying 25% of anyeligible expenses incurred.

2. If you experience a medical emergency during your trip, theAssistance Centre must be notified and, in consultation with itsmedical advisors and the local attending physician, reserves theright to return you to Canada prior to any treatment or followingemergency treatment or your admission to hospital for a sickness or injury, if on medical evidence you are able to return to Canadawithout endangering your life or health. If you elect not to returnto Canada following the medical advisor’s recommendation to doso, any expenses incurred for continuing treatment performedoutside Canada with respect to such emergency will not becovered and all coverage and benefits under this policy will cease.

3. If you are not covered under a government health insurance plan for the entire duration of your trip, reimbursement for eligibleexpenses incurred will be limited to a maximum of $25,000.

11. Visit To Bedside: Travel and accommodation expenses incurredfor one relative or close friend to visit at your bedside due to acritical sickness or injury, or when the attending physician states in writing that it is necessary for someone to travel to, remainwith, and/or escort you back to your province or territory ofresidence in Canada, provided prior written approval is obtained by contacting the Assistance Centre.You will be reimbursed for:a) the round-trip economy transportation via the most cost-

effective itinerary for someone to be with you; plusb) up to $500 for commercial accommodation and meals.If the Assistance Centre must arrange for a visit to bedside, Emergency Medical Insurance will be automatically extended under the same terms and limitations of this policy (subject to meeting the eligibility requirements of the policy) to cover such relative or close friend until you are medically fit to return home.

12. Return & Escort of Children: If you are admitted to hospital for more than 24 hours due to an emergency, or you must return toCanada due to an emergency medical condition covered by thispolicy, children or grandchildren travelling with you during your trip or who had joined you during your trip will be returned toCanada and reimbursement will be made for:

a) the extra cost of one-way economy transportation viathe most cost-effective itinerary to return the children orgrandchildren back to their province or territory of residence in Canada; and

b) the round-trip economy transportation and overnight hotelaccommodation for the services of an escort, if required.

13. Return of Travel Companion: If your travel companion isprevented from returning by means of originally scheduledtransportation due to your death or medical evacuation,expenses will be reimbursed for the extra cost of one-wayeconomy transportation via the most cost-effective itineraryto return your travel companion back to his/her province orterritory of residence in Canada.

14. Travel Expenses Due to Repatriation of Travel Companion: Ifyou are prevented from returning by means of your originallyscheduled transportation due to the death or medical evacuation of your travel companion, you will be reimbursed for the extracost of one-way economy transportation via the most cost-effective itinerary back to your province or territory of residencein Canada.

15. Repatriation: The reasonable costs actually incurred forpreparing and returning your body or ashes to your provinceor territory of residence in Canada; or up to $5,000 underthe Youth All Inclusive Plan or up to $3,000 under the YouthEmergency Medical Plan for burial or cremation in the placewhere the death occurs. Expenses for a headstone, casket and/or funeral service charges are not covered.

16. Identification of Remains: The round-trip economytransportation via the most cost-effective itinerary to transportone relative or close friend to the place where your remainsare located, plus up to $450 for commercial accommodationand meals, when someone is legally required to identify your remains before the body is released; provided prior writtenapproval is obtained by contacting the Assistance Centre.

Emergency Medical Insurance will be automatically extendedunder the same terms and limitations of this policy (subject to

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Emergency M

edical Insurance

If you are not eligible for coverage in accordance with the eligibility requirements on the date of your application, we will declare your coverage null and void from inception and no benefits will be payable.

Limitation on Assistance Centre Services

We and/or the Assistance Centre reserve the right to suspend, curtail or limit services in any area or country in the event of:

a) rebellion, riot, military uprising, war; or

b) labour disturbances, strikes; or

c) nuclear accidents, acts of God, or refusal by the authorities inthe country where assistance is required, to permit the deliveryof such services.

The Assistance Centre will use its best efforts to provide services to the best of its ability during any such occurrence.

The Assistance Centre’s obligation to provide services described in this policy is subject to the terms, conditions, limitations and exclusions set out in this policy. The medical professional(s) suggested or designated by us or the Assistance Centre to provide services in accordance with the benefits and terms of this policy are not employees of us or the Assistance Centre.

Therefore, neither we nor the Assistance Centre shall be held responsible or liable for any negligence or other acts or omissions on their part, nor for the availability, quality, quantity or results of any treatment or service you may receive or your failure to obtain or receive any treatment or service.

EXCLUSIONS: EMERGENCY MEDICAL INSURANCE

This insurance does not cover and no benefits will be payable for:

1. A pre-existing condition or related medical condition which wasnot stable during the 3-month period before your effective date.

2. Any medical condition for which it was reasonable to expect,before you left home, that you would need treatment during your trip.

3. Any emergency when, prior to the purchase date, you had notmet all of the eligibility requirements (if applicable).

4. Expenses incurred for medical care or services where the trip was undertaken contrary to medical advice or after receivingnotice of a terminal prognosis.

5. Any treatment:

a) not required for the immediate relief of acute pain andsuffering;

b) which can reasonably be delayed until you return to yourprovince or territory of residence in Canada;

c) which you elect to have rendered or performed outsideyour province or territory of residence in Canada followingemergency treatment for unexpected sickness or injury, and which on medical evidence would not prevent you fromreturning to your departure point prior to such treatment being performed; or

d) for follow-up treatment, a medical condition that occursor reoccurs or subsequent emergency treatment orhospitalization for a medical condition or related medicalconditions for which you had received emergency treatment during your trip;

6. Any cosmetic, investigative and/or elective surgery or treatment,and/or any expenses that arise as a result of complications from such surgery or treatment.

7. Transplants, including but not limited to, organ transplants orbone marrow transplants.

8. Expenses incurred whereby this policy was purchasedspecifically to obtain hospital or medical treatment outside your province or territory of residence in Canada whether or notrecommended by a physician.

9. The cost of replenishing any drugs or medications that were inuse on your departure date or for the maintenance of any courseof treatment that commenced prior to your departure date unless the replacement is required to replace your eligible drugs ormedications that were damaged, lost or stolen during your trip.

10. Preventive medicines, inoculations, birth control pills or devices,vitamins, vitamin preparations and over-the-counter drugs ormedications.

11. Any person who is less than 30 days old on your effective date.

12. Unless prior approval is provided by contacting the AssistanceCentre, any emergency air transportation; surgery; MRI; CATScan; cardiac procedures including but not limited to cardiaccatheterization, angioplasty surgery.

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Limitation of Liability and Aggregate Limit: The maximum aggregate amount of Travel Accident Insurance for which you can be covered under this policy and all other Travel Accident Insurance policies issued by us is limited to $1,000,000. Any amount purchased in excess of this amount will be void and the premiums paid for it will be refunded.

Our maximum aggregate liability under this policy and all other Travel Accident Insurance policies issued by us with respect to any one aircraft accident is limited to $25,000,000, which will be shared proportionately among all claimants entitled to claim. In addition, our maximum aggregate liability under this policy and all other Travel Accident Insurance policies issued by us under this benefit with respect to more than one aircraft accident occurring during a calendar year is limited to $25,000,000.

EXCLUSIONS: TRAVEL ACCIDENT INSURANCE

This insurance does not cover and no benefit is payable for any death, loss or disablement arising from:

1. Disease or any physical defect, infirmity or sickness whichexisted prior to the commencement of the trip.

2. Injuries sustained while parachuting or sky-diving during thetrip.

Travel Accident Insurance

TRAVEL ACCIDENT INSURANCE


If you sustain a covered injury, during the period of coverage, which results in a covered loss described herein within 12 consecutive months of a covered accident, we will pay the applicable benefit. Our liability shall not exceed the sum insured of up to $25,000 for Air Flight Accident or up to $10,000 for Worldwide Accident.

1. Air Flight Accident: Accidental death, loss of limb(s) or sight resulting from an injury sustained while riding as a passenger,boarding or alighting from a flight of an aircraft for which tickets have been issued prior to departure and operated by a licensedairline maintaining published schedules, or chartered airline, orairport limousine or bus or surface vehicle substituted by theairlines. Aircraft must be properly licensed, fixed-wing, andmulti-engined, having an authorized take-off weight of not lessthan 4,536 kg (10,000 lbs.).

This benefit covers only air travel for a single trip for whichtickets were issued and/or purchased prior to the date ofapplication. No coverage is provided for travel on any flight thatis purchased after the date of application, unless a separateapplication is made and the appropriate premium paid. Forthe purposes of this benefit, a single trip means air travelarrangements which were booked and paid for on or prior tothe date of your application and which form part of your travelitinerary as of such date.

Accidental death, loss of limb(s) or sight resulting from an injury sustained while riding as a passenger, boarding or alightingfrom a conveyance provided by a common carrier used primarily for passenger service, such as a taxi, train or boat while making a connection with a covered flight.

2. Worldwide Accident: Accidental death, loss of limb(s) or sight resulting from an injury sustained during the period of coveragenot resulting from incidents described in item 1 above.

Covered Loss:

- Accidental Death.

- Loss of Limb(s) must be a complete and permanent physicalseparation of a hand at or above the wrist or of a foot at or abovethe ankle.

- Loss of Sight must be an irrecoverable loss of the entire sight ofone or both eyes.

Benefit Payable:

a) 100% of the sum insured in the event of death or loss of limbs (two or more) or loss of sight of both eyes.

b) 50% of the sum insured in the event of loss of limb or loss ofsight in one eye.

If you suffer more than one of the above stated losses as the result of one injury, our liability shall be limited to the amount payable for one loss.

Disappearance: If your body is not found within one year after the date of disappearance as a result of the sinking or destruction of the conveyance in which you were riding 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 we will pay the applicable benefit.

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5. You must notify the police promptly, or if the police are notavailable, the hotel manager, tour guide or transportationauthorities of any loss due to theft, burglary, robbery, maliciousmischief, disappearance or loss, and obtain written verification of the loss.

6. You must provide a police report showing forcible entry when loss is due to break-in of a vehicle.

7. You must provide proof of ownership and receipts for each itembeing claimed.

Failure to comply with these requirements may result in the loss of your right to claim for property lost, stolen or damaged.

EXCLUSIONS: BAGGAGE AND PERSONAL EFFECTS INSURANCE

This insurance does not cover and no benefit is payable for any loss arising from:

1. Theft or loss not reported immediately to the police or carriersand failure to obtain a written report from the police or carriers to substantiate the loss.

2. Baggage or personal effects left unaccompanied or left in anunattended vehicle which was not locked in the trunk, or baggage or personal effects shipped under a freight contract.

3. Wear and tear, depreciation, mechanical or electrical breakdownor deterioration, pre-existing defect or flaw, dampness ofatmosphere or extremities of temperature.

4. Breaking or scratching of fragile articles (other than camerasor binoculars) unless caused by fire or accident to the vehicle inwhich they are being carried.

5. Lost, damaged or stolen money, bonds, coupons, stamps,negotiable instruments, deeds, manuscripts, securities of anykind, bullion, precious metals, traveller’s samples, tools of trade,or any containers used to transport such items or parts thereof.

6. Confiscation, detention, requisition or destruction by Customsor other authorities, or delay except as covered under DelayedLuggage.

7. Any amount in excess of the maximum specified in the Scheduleof Benefits for any one item.

8. Animals, self-propelled conveyances of any kind or theirequipment, bicycles unless checked as baggage with a common carrier, household effects, retainers, artificial teeth and limbs,non-prescription eyeglasses or contact lenses, cigarettes,alcohol, food, professional or occupational equipment or property, antiques and collectors’ items, property illegally acquired, kept,stored or transported; sporting equipment, where such loss ordamage is due to the use thereof.

9. Jewellery and cameras (including camera equipment) which isplaced in the custody of a common carrier.

10. Loss in respect of articles specifically or otherwise insured on avalued basis by another insurer while this insurance is in effect.

11. Articles purchased while on the trip for personal use unlessreceipts are provided with your claim.

12. Any computer software or the restoration of any lost or corrupted data.

Baggage and Personal Effects Insurance

BAGGAGE AND PERSONAL EFFECTS INSURANCE


If your baggage and/or personal effects are lost, stolen or damaged during your trip, we will, at our option, reimburse you by payment, replacement or repair, after making proper allowance for wear and tear or depreciation, up to $500 per trip.

The maximum amount payable under this benefit for any one item shall not exceed the original purchase price made for the item or up to $300 for any one item (or set of items).

In addition, if your driver’s licence and/or birth certificate is lost or stolen, up to a total of $50 will be reimbursed to replace these items.

Passport & Travel Visa Replacement

If your passport and/or travel visa is lost or stolen during your trip, you will be reimbursed for the reasonable and customary cost for a replacement passport and/or travel visa, and up to $200 with respect to travel and commercial accommodation expenses actually incurred while waiting to receive the replacement passport and/or travel visa during your trip or after you return home.

Delayed Luggage

Notwithstanding Exclusion (6) of this Section, if you are deprived of your checked luggage for at least 10 hours due to delay or misdirection while in transit and before returning to your departure point of your trip, we will reimburse you up to $100 for the emergency purchase of essential items of personal clothing, necessary toiletries and up to $150 for the rental cost of sporting equipment if the purpose of your trip was to participate in a sporting event and your sporting equipment was included in the delayed checked baggage.

Written proof from the travel company or airline of the delay or misdirection must be submitted with any claim along with original receipts for such purchases.

Delayed Wheelchair

If there is a delay or misdirection of your wheelchair for at least 10 hours by the common carrier while en route and before returning to your departure point of your trip, you will be reimbursed up to $100 for the rental of a like device for use during your trip. Written verification of the delay or misdirection must be obtained from the common carrier or airline and submitted along with original receipts when claiming under this benefit.

CONDITIONS & LIMITATIONS: BAGGAGE AND PERSONAL EFFECTS INSURANCE

In order for a claim to be eligible under this benefit:1. Your period of coverage must not be less than the total period

commencing from the date of departure from Canada and endingwith the date of your return to Canada.

2. You must not leave property unattended in a public place or in anunlocked and unattended vehicle or building.

3. You must act in a prudent manner and exercise all reasonable care for the safety, security and supervision of the property at all times.

4. You must endeavor to minimize any loss and not abandon anydamaged property.

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GENERAL EXCLUSIONS

Applicable to all sections of the Policy:

This insurance does not cover and no benefit is payable for any claim arising from:

1. Consequential loss of any kind, including loss of enjoyment andfinancial loss not otherwise specifically covered under this policy.

2. Your participation in organized professional sporting activities,motorized racing or other speed contests, mountain-climbingwhich involves the ascent or descent of a mountain requiringthe use of specialized equipment, including crampons, pick-axes, anchors, bolts, carabiners and lead or top-rope anchoringequipment, rock-climbing, underwater activities involving the useof self-contained underwater breathing apparatus (unless you holdan open water diving certificate), motorcycling (unless you hold avalid Canadian motorcycle driver’s licence), mopeds (unless you hold a valid Canadian driver’s licence), hang-gliding, spelunking,hunting, bungee jumping, or piloting an aircraft.

3. Act(s) of terrorism except as otherwise specifically provided in theAct of Terrorism Coverage Section of this policy.

4. Acts of war, invasion, foreign enemies, hostilities or warlikeoperations, whether war be declared or not, civil war, rebellion,revolution, insurrection, civil commotion assuming the proportionof or amounting to an uprising, military or usurped power.

5. Participation in armed forces training exercises or manoeuvres.

6. Your self-inflicted injuries, unless medical evidence establishes that the injuries are related to a mental health illness.

7. Any loss resulting from your minor mental or emotional disorder.

8. Your abuse of drug(s), medication(s), including over-the-countermedications, alcohol or other intoxicants, illicit drugs or anycondition (including your death) resulting therefrom.

9. Any injury you sustain as a result of your driving a motor vehicle while your ability to drive is impaired by drugs or alcohol with analcohol level of or more than 80 milligrams to 100 millilitres of blood as well as any condition (including your death) resulting from theinjury so sustained.

10. a) your routine prenatal care;b) your pregnancy, childbirth, any complication(s) related to your

pregnancy or childbirth, when any such event, in any combination, happen(s) in the nine (9) weeks before or after the expected date of delivery;

c) your child born during your trip.

11. Deliberate termination of your pregnancy.

12. Any expenses incurred by or on behalf of any person not named as an insured on the confirmation, including but not limited to an infant born after the effective date.

13. Expenses which are recoverable or could have been recovered from any other source, including but not limited to any individual, groupor prepaid employee insurance or private plan, credit card coverage or government health insurance plan.

14. Your commission of or attempt to commit any willful, criminal ormalicious act.

General ExclusionsAct of Terrorism

Coverage

ACT OF TERRORISM COVERAGE

Where an act of terrorism directly or indirectly causes you a loss for which benefits would otherwise be payable in accordance with the terms and conditions of this policy, this insurance will provide coverage as follows:

• For Travel Accident Insurance and Baggage & Personal Effects Insurance, benefits will be payable up to a maximum of 100% ofthe sum insured for any eligible loss; and

• For Trip Cancellation/Trip Interruption/Trip Disruption Insurance and Emergency Medical Insurance, we will provide benefits to youfor your covered expenses subject to the maximum shown in thebenefits section and this provision;

• The benefits payable, as described directly above, are in excessof all other potential sources of recovery, including alternativeor replacement travel options offered by airlines, tour operators,cruise lines and any other travel supplier and other insurancecoverage (even where such other coverage is described as excess) and will only become available after you have exhausted all suchother sources.

Any benefits payable pursuant to our Trip Cancellation/Trip Interruption/Trip Disruption Insurance and Emergency Medical Insurance shall be subject to an overall maximum aggregate payable limit relating to all in-force travel policies issued by us, including this policy. If total claims otherwise payable for a type of coverage under all travel policies issued by us, resulting from one or more acts of terrorism occurring within an applicable time period, exceed this maximum aggregate payable limit, then the amount paid on each claim shall be reduced on a pro rata basis so that the total amount paid in respect of all such claims shall be the maximum aggregate payable limit.

Coverage is only available for up to two (2) acts of terrorism within a calendar year and the maximum aggregate payable limit for each act of terrorism is:

Type of Insurance Coverage Maximum Aggregate for Each Act of Terrorism (CDN$)

Trip Cancellation/ Trip Interruption / Trip Disruption $2,500,000

Emergency Medical $35,000,000

If, in our judgment, the total of all payable claims under one or more acts of terrorism may exceed the applicable limits, your prorated claim may be paid after the end of the calendar year in which you qualify for benefits.

EXCLUSION TO THIS TERRORISM COVERAGE PROVISION

Notwithstanding any provision to the contrary within this policy or any endorsement thereto, this policy does not cover any liability, loss, cost or expense of whatsoever nature which is directly or indirectly caused by, resulting from, arising out of or in connection with any acts of terrorism perpetrated by or involving the utilization of biological, chemical, nuclear or radioactive means, regardless of any other cause contributing concurrently or in any other sequence to the liability, loss, cost or expense.

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Default means the inability of a travel supplier to provide travel services for which you have contracted with the travel supplier, because of complete or substantially complete cessation of business by the travel supplier resulting directly or indirectly from bankruptcy or insolvency thereof.

Departure date means the date you leave for your trip.

Departure point means the place you leave from for your trip and are going to return to.

Effective date means the date on which your coverage begins.

a) For Trip Cancellation, begins at the date and time you pay thepremium for that coverage (the purchase date of your coverage).

b) For Top-Up coverage to another plan, coverage starts after you leave home, on the start date of Top-Up coverage indicated on your application which must correspond to the first day after expirationof your other plan.

c) For all other benefits, coverage starts on your departure date.

Emergency means an unforeseen sickness or injury that requires immediate medical treatment. An emergency no longer exists when the Assistance Centre determines that the person is able to return to his or her province, territory of residence or country of permanent residence, or continue with the trip.

Government health insurance plan means the health insurance coverage that a Canadian provincial or territorial government provides to its residents.Hospital means a licensed facility where inpatients receive medical care and diagnostic and surgical services under the supervision of a staff of physicians with 24-hour care by registered nurses. A clinic, an extended or palliative care facility, a rehabilitation establishment, an addiction centre, a convalescent, rest or nursing home, home for the aged or health spa are not considered a hospital.

Immediate family means spouse, parent, legal guardian, step-parent, grandparent, step-grandparent, grandchild, in-law, natural or adopted child, step-child, brother, sister, step-brother, step-sister, aunt, uncle, niece or nephew.

Injury means sudden bodily harm that is caused directly by external and purely accidental means, and independent of sickness or disease.

Insured travel arrangement(s) means travel arrangements whose reservation and booking has been made on your behalf and are insured under this policy. Coverage must be for the full value of the travel arrangements that are subject to cancellation penalties or restrictions.

Key-person means someone to whom a dependent’s full-time care is entrusted and who cannot reasonably be replaced, a business partner, or an employee who is critical to the ongoing affairs of your business, during the trip.

Medical condition means sickness, injury, disease or symptom, complication of pregnancy within the first thirty-one (31) weeks of pregnancy.

Minor mental or emotional disorder means:

• having anxiety or panic attacks, or

• being in an emotional state or in a stressful situation.

A minor mental or emotional disorder is one where your treatment includes only minor tranquilizers or minor anti-anxiety (anxiolytics) medication or no prescribed medication at all.

General ExclusionsDefinitions

15. Fraud, concealment, or deliberate misstatement in relation to anymatter affecting this insurance or in connection with the making of any claim hereunder.

16. Any expenses incurred related to a travel warning if you chooseto travel to or within a country or within a specific region of acountry listed in any level of a travel warning after the Governmentof Canada issues an “Avoid Non-Essential Travel” or an “Avoid AllTravel” travel advisory to warn Canadians against travel to a country or to a specific region of a country or a city included in your trip.

17. Ionizing radiation or poisoning of people by nuclear, radioactive,chemical and/or biological substances that causes sickness or death from any nuclear fuel or waste which results from theburning of nuclear fuels; or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.

18. If your insurance is purchased as Top-up coverage to anotherinsurance coverage, any expenses related to a claim that occurredwhen the other insurance was in force.

DEFINITIONS

When italicized, the following words are defined as:

Act(s) of terrorism means any activity that involves a threat to use or the actual use of violence or any dangerous or threatening act, or the use of force. Such act is directed against the general public, governments, organizations, properties or infrastructures, or electronic systems. The intention of such activity is to: • instill fear in the general public; • disrupt the economy; • intimidate, coerce or overthrow a sitting government or occupying

power; and/or • promote political, social, religious or economic objectives.

Age means your age at time of application.

Change in medication means the medication dosage, frequency or type has been reduced, increased, or stopped or new medication(s) has/have been prescribed.

Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) to test your blood levels; and a change from a brand-name medication to a generic brand medication of the same dosage.

Child, children means your unmarried, dependent son or daughter or your grandchild(ren) travelling with you or joins you during your trip and is either: i) under 21 years of age, ii) under 26 years of age if full-time student; or iii) your child of any age who is mentally or physically disabled. In addition, for Emergency Medical Insurance, the children must be older than 30 days of age.

Common carrier means a conveyance (such as a bus, taxi, train, boat, airplane) which is licensed, intended and used to transport paying passengers.

Confirmation means the application for this policy, and any other documents confirming your insurance coverage once you have paid the required premium; and where applicable, includes the medical questionnaire and your trip arrangements. It may also include tickets or receipts issued by an airline, travel agent, tour operator, rental agency, cruise line or other accommodation or travel provider with whom you made arrangements for your trip.

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Travel services means transportation, sleeping accommodation or other service provided or arranged by a travel supplier for your use (but does not include taxes or insurance).

Travel supplier means a tour operator, travel wholesaler, airline, cruise line, provider of ground transport or provider of travel accommodation or provider of other services to you that is: a) contracted to provide travel services to you ; andb) licensed, registered or is otherwise legally authorized in the

particular location of the travel supplier to operate and provide travel services as shown on your confirmation.

Treatment means hospitalization, prescribed medication (including medication prescribed “as needed”), medical, therapeutic, diagnostic or surgical procedure prescribed, performed or recommended by a licensed medical practitioner.Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Trip means the period of time between your effective date and expiry date as shown on your confirmation.Vehicle includes any private or rental passenger automobile, boat, mobile home, camper truck or trailer home which you use during your trip exclusively for the transportation of passengers (other than for hire).

We, us, our means The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company (FNAIC).

You, your means the person(s) named as the insured(s) on the confirmation, for whom insurance coverage was applied for and for whom the appropriate premium was received by us.

In this policy, words and terms denoting the singular shall be interpreted to mean the plural and vice versa, unless the context clearly indicates otherwise.

Definitions

Physician means a medical doctor who is duly licensed in the jurisdiction in which he/she operates and who gives medical care within the scope of his/her licensed authority. A physician must be a person other than you, a travelling companion or a member of your immediate family.

Pre-existing condition(s) means a medical condition that existed before the effective date.

Reasonable and customary charges means costs that do not exceed the standard fee of other providers of similar standing in the same geographical area, when providing the same treatment for a similar sickness or injury or for other comparable services or supplies for similar circumstance.

Rental vehicle means a passenger automobile, mini- van, self-propelled mobile home, self-propelled camper truck or self-propelled trailer that you use during your trip and rent, under a written contract, from a commercial rental agency licensed under the laws of its jurisdiction. Excluded is any vehicle which is a: truck, panel van, bus, sport utility vehicle while you use it off road, automobile designed and manufactured primarily for off-road use while it is being used off road, motorcycle, moped, motorbike, recreational vehicle (other than self-propelled motor homes), all-terrain vehicle, non self-propelled camper or trailer, automobile that is more than 20 years old, limousine, or exotic vehicle of these or similar makes: Aston Martin, Bentley, Ferrari, Porsche or Rolls Royce.

Return date means the date on which you are scheduled to return to your departure point, as shown on your confirmation.

Schedule change means the late departure of an airline carrier causing you to miss your next connecting flight via another airline carrier, or the early departure of an airline carrier rendering unusable the ticket you had purchased for your prior connector flight by another airline carrier. Schedule change does not mean a change resulting from a strike, labour disruption, security alert or bankruptcy.

Sickness means illness, disease, disorder or any symptom.

Spouse means someone to whom one is legally married, or with whom one has been residing and publicly represented as a spouse.

Stable medical condition means that all of the following apply:

• there has not been any new symptom(s); and• existing symptom(s) have not become more frequent or severe; and• a physician has not determined that the medical condition has

become worse; and• no test findings have shown that the medical condition may be

getting worse; and• a physician has not provided, prescribed, or recommended any new

medication, any change in medication ; and• a physician has not provided, prescribed or recommended any new

treatment or any change in treatment ; and• there has been no admission to a hospital or specialty clinic; and• a physician has not advised a visit to a specialist or to have further

testing, and there has been no testing for which the results have not yet been received.

Top-up means the coverage you purchase from us before your date of departure from your departure point, to add to your insurance coverage that is in effect through another source for a portion of your trip duration.

Travel companion means someone who shares travel arrangements with you on any one trip, up to a maximum of 5 persons including you.

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Limitation of Action: If you disagree with our decision, the matter may be submitted for judicial resolution under the applicable law(s) of the Canadian province or territory where you were residing at the time of application for this policy.

Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act, or in the Limitations Act, 2002 in Ontario, or other applicable legislation.

All legal actions or proceedings must be brought in the province or territory in Canada where you were residing at the time the insurance was purchased, or if mutually agreeable, the action can be brought in the province where our head office is located.

CLAIM PROVISIONS

Assignment of Benefits: Where we have paid expenses or benefits to you or on your behalf under this policy, we have the right to recover, at our own expense, those payments from any applicable source or any insurance policy or plan that provides the same benefits or recoveries. This policy also allows us to receive, endorse and negotiate eligible payments from those parties on your behalf. When we receive payment from any government health insurance plan, any other insurer or any other source of recovery to us, the respective payor is released from any further liability with respect to the claim.

Secondary Coverage: Coverage under this policy is secondary to all other sources of recovery. Any benefits payable under this policy are in excess of any other coverage you may have with any other insurer or any other source of recovery.

Coordination of Benefits: Benefit payments under this policy will be coordinated with benefits available to you under any other insurance policy or plan, so that payments made under this policy and any other policy or plan do not exceed 100% of the eligible expenses incurred. Coordination of the Emergency Medical Insurance benefits will be in accordance with the Coordination of Benefits Guidelines issued by the Canadian Life and Health Insurance Association with respect to Out of Country/Province Medical Expenses.

However, if you are covered as an active or retired employee under your current or former employer’s group health insurance plan for Extended Health Care benefits and the lifetime maximum amount is:

a) $50,000 or less, Coordination of Benefits will not apply to suchamount; or

b) more than $50,000, Coordination of Benefits will apply only to theamount of insurance in excess of $50,000.

Notice of Claim and Proof of Claim: To make a claim for benefits under this policy, your written proof of claim and your fully completed Travel Insurance claim form(s) must be submitted to us within 90 days after the event, but not more than 12 months after the date of such event or loss. More information on the documentation that must be submitted with your written proof of claim is provided below.

Written proof of claim shall include:

i) the completion of any claim forms furnished by us;

ii) original receipts;

iii) a written report, complete with the diagnosis by the attendingphysician, if applicable, and any other form of documentationdeemed necessary by us to validate your claim; and must support

General Conditions

GENERAL CONDITIONS

Statutory Conditions: Despite any other provision contained in the contract, the contract is subject to the applicable statutory conditions in the Insurance Act, as applicable in your province or territory of residence, respecting contracts of accident and sickness insurance.

Applicable Law: This policy is governed by the laws and regulations of the Canadian province or territory where this policy was issued.

Contract: Your application, confirmation, this policy and any riders or endorsements to it shall form the entire contract between you and us. We have sole authority for changing or waiving any of the terms, conditions or provisions stated in this policy.

The right of any person to designate persons to whom or for whose benefit insurance money is payable is restricted.

Conformity with Existing Laws: Any provision of this policy which is in conflict with any federal, provincial or territorial law where this policy is issued is hereby amended to conform to the minimum requirements of that law. In all other respects, the terms and provisions of this policy shall apply.

Currency: All premiums and benefits under this policy are payable in Canadian currency. To facilitate payments to providers, we will pay claims in the currency of the country where the charges are incurred, based on:

i) the rate of exchange set by any chartered bank in Canada on thelast date of service, or

ii) the date the payment is issued to the provider of service.

Eligibility Requirements: If at the time of application you do not meet the eligibility requirements outlined in this policy, your insurance is void and our liability is limited to a refund of the premium paid.

Premium Payment: Your policy takes effect when the required premium is paid, subject to the terms and conditions outlined in the policy. No coverage will be provided if:

i) the required premium is not paid,

ii) your cheque is not honoured, or

iii) credit card charges are declined for any reason.

Refund of Premium: If you return to your departure point before your scheduled return date, you may request a refund of the premium you paid for the unused days provided that:

a) you submit proof of your date of return; and

b) you have not incurred a claim for benefits under the policy.

A request for a premium refund must be submitted to your distributor of Travel Insurance. If a claim is received by us after a request for premium refund has been processed, you will be financially responsible for payment of the claim.

Limitation of Liability: Our liability under this policy is limited solely to the payment of eligible benefits, up to the maximum amount purchased, for any loss or expense. Neither we, upon making payment under this policy, nor our agents or administrators assume any responsibility for the availability, quality, results or outcome of any treatment or service, or your failure to obtain any treatment or service covered under the terms of this policy. The participation of the insurers is several and not joint and none of them will under any circumstances participate in the interest and liabilities of any of the others.

Claim Provisions

34 35

Claim Provisions

Subrogation: If you suffer a loss caused by a third party, we have the right to subrogate your rights of recovery against the third party for any benefits payable to or on your behalf and will, at our own expense and in your name, execute the necessary documents and take action against the third party to recover such payments. You must not take any action or execute any documents after the loss that will prejudice our rights to such recovery.

NOTICE ON PRIVACY:

Your privacy matters. We are committed to protecting the privacy of the information we receive about you in the course of providing the insurance you have chosen. While our employees need to have access to that information, we have taken measures to protect your privacy. We ensure that other professionals, with whom we work in giving you the services you need under your insurance, have done so as well. To find out more about how we protect your privacy, please read below our Notice on Privacy and Confidentiality.

Notice On Privacy And Confidentiality. The specific and detailed information requested on the application form is required to process the application. To protect the confidentiality of this information, Manulife will establish a “financial services file” from which this information will be used to process the application, offer and administer services and process claims. Access to this file will be restricted to those Manulife employees, mandataries, administrators or agents who are responsible for the assessment of risk (underwriting), marketing and administration of services and the investigation of claims, and to any other person you authorize or as authorized by law. These people, organizations and service providers may be in jurisdictions outside Canada, and subject to the laws of those foreign jurisdictions.

Your file is secured in our offices or those of our administrator or agent. You may request to review the personal information it contains and make corrections by writing to: Privacy Officer, Manulife, P.O. Box 1602, Waterloo, Ontario N2J 4C6.

The Manufacturers Life Insurance Company First North American Insurance Company

that the treatment was appropriate and consistent with the diagnosis and could not be omitted without adversely affecting your condition and quality of medical care and cannot be delayed until your return home;

iv) documentation required by us to substantiate cancellation,interruption, travel delay or schedule change if for other thanmedical reasons. If death is the cause of the claim, an officialdocument such as a death certificate that establishes cause ofdeath will also be required;

For example:

• copy of the subpoena if cancelling due to jury duty or being calledas witness;

• report from the police or other local authority documenting the loss or theft of passport and or travel visa;

• letter from the airline confirming the change in the scheduled flight or the cause of the flight delay.

Original substantiating claims documentation must be provided; however, we may accept certified copies if the original documentation cannot be provided for a reasonable cause. Failure to provide applicable substantiation for a claim shall invalidate any claim under this policy. All documents required to support or validate the claim, including English or French translations of such documents, must be provided free of expense to us.

Written claims correspondence should be mailed to: Manulife Youth Plan c/o Active Care Management PO BOX 1237 Station A Windsor, ON N9A 6P8

Tel: 1 855 317-1193

Claim Payments: Benefit payments will be made to you or to any person or entity having a valid assignment to such benefits. In the event of your death, any balance remaining or benefits payable for loss of life will be paid to your estate, unless otherwise indicated.

If at time of claim, it is discovered that you no longer have coverage under a government health insurance plan, the maximum amount payable for all eligible expenses combined will be limited to $25,000.

Rights of the Insurance Company and Claimant: When you purchase this policy, you agree to provide us with access to all pertinent records or information about you from any licensed physician, dentist, medical practitioner, hospital, clinic, insurer, individual, institution or other provider of service to determine the validity of any claim submitted by you or on your behalf.

Right of Examination: We have the right, and you must afford us the opportunity, to have you medically examined when and as often as may be reasonably required, when a claim under this policy is pending. In the event of death, we have the right to request an autopsy, subject to any laws relating thereto.

Right of Recovery: In the event that you are found to be ineligible for coverage or that a claim is found to be invalid or benefits are reduced in accordance with any policy provision, we have the right to collect from you any amount which we have paid on your behalf to medical providers or other parties.

ISE Policies Vulnerable Sector Screening Policy

It is the policy of ISE Ontario to require a Vulnerable Sector Screening for anyone 18 years of age or older who will have contact with young people under the age of 18 while residing with a host family. A similar screening process is required from our partner organizations.

Procedures: 2-1 Various jurisdictions in Ontario refer to this process by different terms. It may be called a Police Vulnerable

Sector Check (PVSC), Vulnerable Sector Screening Programs, or something similar. 2-2 Persons required by this policy to obtain such a check, should enquire of their local police authority as to how

they should apply for the screening and at what cost. Some jurisdictions will waive the fee for a volunteer with a non-profit organization which could include the hosting family. ISE will provide a letter (Volunteer Letter) to verify the volunteer nature of those associated with the programs whether as workers or hosts.

2-3 The ISE Ontario website will clearly indicate the need for VSS for all families, or anyone else living in the home, applying for an exchange. No application will be processed or matched until a clear record is provided. In cases where the record is not clear, permission to participate will be done on an individual basis. The VSS will be one of the items on the checklist of things to be submitted with the Application Form.

2-4 The Executive Director will be responsible to do due diligence in examining any records submitted in confidence which require an objective decision regarding the nature of the incident recorded in the report received from the police and whether or not it poses a threat to a visiting student.

2-5 Those required to obtain a VSS to volunteer with ISE or to host a student include: All persons, 18 years and older, who are in contact with young people as part of their role in providing or promoting ISE programs; Parents and family members, 18 years and older, who will be residing on a permanent basis in the home where visiting students will live during their exchange. This includes family members who do not live within the hosting home but who have the right to keep the exchange student and his or her partner overnight as the result of a custody sharing arrangement.

2-6 Among those not required to obtain a VSS but who may be present when a visiting student lives in the hosting home include: Anyone under the age of 18 who does not have a criminal record or charges pending; Visitors to the home such as university student siblings who return on an infrequent basis; Grandparents, other relatives, or friends who may stay overnight on an infrequent basis or invite the exchange partners to their home on an infrequent basis for a day or overnight stay. The visiting exchange student is not to stay overnight alone at any other home other than those mentioned in the application to host an exchange.

2-7 If there are special circumstances, ISE may require a letter (Appendix B) indicating that the person or persons in question do not have a criminal record or charges pending. In such cases, a decision, at the discretion of the Executive Director, will be made.

2-8 ISE Ontario will only accept a VSS which has been obtained by applying in person to the local police authority within one year of the start of the hosting period.

2-9 If a family is experiencing a lengthy delay in receiving the results of a VSS, parents may submit the receipt showing the check has been applied for with the Application until the document arrives. Failure to provide a VSS report will result in the Application being rejected by ISE Ontario.

Hospitality Obligation Policy

It is the policy of ISE Ontario to inform families at the time of application of their obligation to follow through with the reciprocal nature of an exchange. Lack of reciprocity may result in additional fees being charged in order to find new accommodations for your original partner.

Procedures: 1. As part of the Conditions of Participation, parents will be advised that they are committing to the reciprocal

nature of the exchange program.

2. By signing this document, families will be obliged to host a student after their son or daughter has completedthe first phase of an exchange as a ‘Go First’ participant.

3. Families that refuse to host the original partner of their son or daughter will be expected to host anotherstudent from the country where the exchange was arranged.

4. In ‘Host First’ situations, a family that does not complete the hosting period but still wants their son ordaughter to be placed in a different home in Europe, will be expected to host another European student.

5. School board authorities must be advised of the ‘one in, one out’ status of these situations and ISE Ontario isobliged to recognize the balance and see that it is maintained in terms of placing students in a board.

Travel Documentation Policy

It is the policy of ISE Ontario to inform parents that it is their responsibility to obtain the necessary travel documents in order to participate in a European exchange.

Document requirements:

1. For entry into countries in the Schengen Area (26 European countries) which includes the countries with which ISE Ontario has exchange programs (France, Germany, Italy, Spain, and Switzerland), exchange students, who are Canadian citizens, require a valid Canadian passport with an expiry date of at least 3 months after the return date to Canada.

2. For travel to countries outside of the Schengen Area, families are advised to check the visa or other document requirements by contacting the appropriate consulate, at least 3 months before departure for Europe. Students participating in the China exchange program will require a visa to visit China. Families may apply online to obtain the visa and must pay the fee required to process the visa. The passport expiry date must be at least 6 months past the return date to Canada.

3. Students who hold a passport from another country, and do not have a Canadian passport, are required to tell ISE Ontario and to provide complete information about the passport by scanning a copy of the passport when applying for an exchange.

4. Students who are not Canadian citizens must take their Canadian Permanent Resident card in order to re-enter Canada. Families are required to determine if the student requires a visa or other documents to travel to the European countries involved. Non-Canadian families must be aware of travel documents needed for any of the exchange countries involved, including transit countries with flight connections to the final destination.

5. Clear, colour photo-copies of all travel documents including passports and visas must be taken by the student and stored in a place other than where the passport is kept.

6. Lost documents will result in the student being denied boarding by the airline. Any delays requiring the purchase of a new ticket or a change fee, hotel and meals, and the cost of replacing documents will be the financial responsibility of the family.

7. It is the responsibility of the family to ensure that all documents are correct and the date of expiry meets the necessary timeline. This is particularly important for non-Canadian passport holders.

8. Students travelling to Quebec on exchange must carry their birth certificate or photo identification such as a student card.

9. Canadian families who are planning to take a visiting student to the United States of America or another International destination must assure that the student has the necessary documentation and a letter of permission to travel from his or her parents.

10. ISE Ontario and our travel agent, Planet France, will not be held liable for incorrect or insufficient travel documentation.

Internal Travel Policy

It is the policy of ISE Ontario to pay for international flights, internal European flights, and flights to Quebec.

Procedures

1. As part of the fee charged, ISE Ontario will pay return airfares to the countries in which exchanges are arranged and the province of Quebec.

2. Connecting flights within Europe are also paid by ISE Ontario.

3. All travel begins and ends at Toronto Pearson airport. ISE does not pay for connecting travel within Canada.

4. Parents are required to arrange transportation to and from Toronto. Participants must be at Toronto Pearson at least 3 hours before flight time.

5. Connecting flights from other Canadian airports must arrive 4 hours before departure time and must land at Toronto Pearson.

6. Parents are financially responsible for any missed flights, for whatever reason that is not covered by insurance or cancelled in time to arrange a change of flight. It is important that parents contact the ISE Ontario office as soon as they know that a connecting flight has been cancelled or delayed. Any flight change fees, both for internal and overseas flights, are the responsibility of the families.

7. Summer Exchange students, who return to Canada with a partner, must be picked up at the Toronto Pearson airport or arrangements must be made by the Canadian parents and the partner organization for connecting travel. ISE Ontario does not arrange this, but will coordinate it with our partners.

8. Parents must read related ISE policies on trip cancellation, additional fees charged, and early returns from the exchange location. Many of these could result in additional costs.

9. In the event of inclement weather, strikes, mechanical failure, or other unforeseen events that result in the cancellation or delay of a connecting flight from Toronto, ISE Ontario will be responsible for the care of students until they depart. This may result in an overnight stay at the expense of the airline or of the parents until the flight is re-scheduled.

Travel Deviation Policy

It is the policy of ISE Ontario not to permit travel deviations that alter the scheduled program.

1. Exchange departure and return dates are established one year prior to the start of a program and mustbe adhered to.

2. Exceptions will only be made if a 12- week participant wishes to return early on the date of a9 -week return. All fees involved in such a change are the responsibility of the student’s parents.

3. If the parents opt to have their son or daughter return after the scheduled date of return, such travelarrangements must be made by the parents at their own expense through ISE’s travel agent, PlanetFrance. Such arrangements may only be made no later than 100 days before the scheduled departuredate and may not be made in a case where the group status is affected.

4. Travel arrangements made outside of the group return date are the responsibility of the parents. If thestudent does not return with the group, he or she is no longer part of the program and ISE Ontario, itspartners, and school boards are not responsible for that student.

5. Any individual travel before the scheduled departure date from Toronto will not be permitted. Allstudents must depart with the group.

Refund Policy

It is the policy of ISE Ontario to refund participation fees in certain circumstances and to withhold some portion of the fee in others.

1. The full fee, or any partial amount paid, will be refunded at any time, if the student has not been matched or amatch has not been accepted and the student withdraws from the program. Every effort will be made to find asuitable match.

2. If a candidate withdraws from an exchange after the match has been accepted and before an airline tickethas been purchased for the student, the application fee will be retained for administrative expenses.

3. After a match has been accepted, the airline tickets have been issued, and the insurance purchased, there will beno refund of the fee, if the candidate withdraws for trivial reasons.

4. A refund, less the cost of travel insurance premiums and the flight ticket(s), if applicable, will be made at anytime before departure in the event of the death of a family member, serious illness of the candidate or a familymember, family difficulties that require the candidate to stay home, or other situations deemed to be of aserious nature by ISE Ontario.After the airline ticket has been purchased, the travel insurance trip cancellation will apply. The family will beable to submit a claim for the cost of the flight ticket(s) provided the reason for cancellation is listed under theinsured risks. There is no refund of the insurance premium.ISE will have paid all travel related costs, the insurance, and administrative costs. Any refund will be calculatedafter taking these items into account.

5. No refund can be made by ISE if any of the above occur while the candidate is away on exchange and mustreturn home. The travel insurance purchased with each ticket may cover costs as outlined in the policy.

6. No refund will be given if the candidate is experiencing homesickness and decides to come home or returnshome and claims that the experience was not to his or her liking and therefore not worth the fee paid.

Cancellation Policy

It is the policy of ISE Ontario to anticipate and be prepared for the unexpected need to cancel or postpone a program due to circumstances beyond the control of the organization such as catastrophic events including: acts of war, acts of terrorism, pandemics, strikes, natural disasters, and other upsets which prevent travel to another country.

Procedures:

1. If a warning is issued by the Canadian government regarding a catastrophic event in a destination for whichISE Ontario has already collected fees and booked travel, the airlines and land travel suppliers may voidchanging fees or cancellation fees to this specific destination.

ISE will refund the full fee to participants going to that destination if there is no change in the condition withintwo weeks after the original departure time.

2. If such a situation occurs while students are abroad, the airline will do its best to bring the students back asseats become available. As a group, ISE students will not have priority and may return home in smallernumbers on different flights.

3. ISE Ontario makes arrangements with reputable suppliers of air travel, land travel, hotel accommodation, andexcursions. In situations where cancellations or delays arise, ISE will make every effort to make alternatearrangements where travel is permitted and possible.

4. ISE Ontario cannot be held responsible for delays, loss of property, injury, accident, death, damage,inconvenience, loss of enjoyment, upset, distress or frustration, whether physical or mental, resulting from anycatastrophic event or the negligence of our suppliers.

II THE PERIOD AWAY

A. Before Leaving

Personal Objectives

Prior to your departure establish a few personal goals, for example: open-mindedness, tolerance, flexibility, patience, willingness to try new activities and foods. Focus on these throughout your exchange. Be aware that you will be spending nine or twelve weeks in the home of a family that will most likely have very different values, attitudes and lifestyle from your own. Open-mindedness is the key to a successful exchange relationship. Remember to not voice judgements; describe things as being “different” rather than “better” in Canada.

Correspondence

You must communicate regularly with your exchange partner between the hosting and visiting period. You must continue to build on your relationship throughout the exchange year, especially when you are apart.

School

Remind your teachers as early as possible that you will be away from school the following winter. Make sure you have come to an agreement with your teachers about what must be done before you leave, during the time away and upon your return.

With careful planning, it is possible for secondary students in semestered schools to take four courses in both the first and second semesters of their exchange year. The majority of exchange participants do complete eight courses during the year, in semestered and non-semestered schools.

Language

It is expected that students will acquire some knowledge of the language of the exchange country prior to departure. In cases where the language course is not offered at school, you should investigate any independent study options available (tutoring, online courses, etc).

Being Informed

Represent your province and country well by being informed so that you can answer any question you may be asked. Plan ahead to be informed about the country and/or region you will be visiting so that you can will benefit more fully from your stay.

Glasses, Dental Work, Medication

Bring an extra pair of prescription glasses/contact lenses. Visit your dentist before you leave. If you require prescription medication, bring enough of the medication to last for the duration of the exchange and a copy of the prescription with you. Your Health Form must verify the need to take such medication, as well as any allergies and immunizations.

Money

The amount of money your son or daughter should bring with them depends on their age and spending habits. At least $100 per month is generally advisable. Speak with your bank to determine what form of money will be right for your child (i.e. debit card, prepaid credit card) and about use of the card in your host country and region.

You should plan to buy a small amount of foreign currency before your child’s departure, enough to last until he or she has access to a bank in the host country. You may wish to buy currency from your partner when he/she is wanting to purchase Canadian dollars. Wear a security pouch or belt to secure your money!

Passport

Your passport is the only proof of your citizenship and identity while you are abroad. Keep your passport in a safe place at all times. An ISE passport pouch will be provided for your use while traveling.

You MUST save an photocopy copy of your passport prior to your departure. You and your parents should both have easy access to this image as this information may assist in replacing a lost or stolen passport. In case of loss while abroad, you must call the nearest Canadian Embassy AND the local police authority immediately. Consult Passports Canada for more information about passports and travel abroad.

Customs

For duty free allowances on goods brought into Canada, please visit the Canada Border Services Website. To avoid delays on your return, you should register any expensive items with Canada Customs prior to your departure.

Students under 19 years of age cannot bring any alcoholic beverages or tobacco products back into Canada. You should inform your host parents about this in advance to avoid their giving you a gift you cannot accept.

Emergency Contacts

Contact information for the exchange officials in each destination will be provided to students on the day of departure.

Clothing

Ask your exchange partner what the weather is usually like during the time you will be there and take appropriate clothing. Resist the urge to over-pack. Select thoughtfully, and remember that you must be able to handle your own luggage. With careful packing, many students travel with only their ISE carry-on bag and one piece of luggage.

Gifts

You may wish to take a small gift to your host family, perhaps something made in Canada and representative of Canadian culture. Think back to what your partner liked when he/she was visiting Canada and select a gift for your partner accordingly.

http://www.pptc.gc.ca/

http://www.cbsa-asfc.gc.ca/travel-voyage/ifcrc-rpcrc-eng.html#a4

B. Travel Information

Winter 2019 Departure Information

Your specific travel date is listed on your acceptance form. The travel dates are listed on our website by exchange group.

Regional pre-departure meetings will be held between mid-January and early February to prepare students and parents for the departure and the second part of the exchange. Past participants and parents provide first-hand information about their own experience. All participants must attend their Pre-Departure meeting.

Travel Information

• Canadian chaperones accompany students on international flights to and from each exchange destination.• All students should have a copy of the international e-ticket with them in Toronto on the day of departure.• Airlines require that all passengers arrive at the airport at least three hours prior to the scheduled time of

departure for international flights.

Luggage Allowance

• ONE piece of checked luggage is included on the international flight, 23 kg (50lbs) maximum weight.• The airline will charge a fee for all additional or overweight checked luggage, which participants are

responsible for• Each student will be given an ISE cinch bag for group identification. In addition students are allowed

ONE carry-on piece when travelling to and from the exchange destination, 12 kg (26lbs) maximum weight.• Air Canada and West Jet charge for all checked bags on domestic flights. If applicable to you, we recommend

you pay this in advance online.• The luggage allowance is determined by the airline and subject to change. For the most accurate, updated

baggage related information we recommend you consult the airline’s website.

For travel arrangements, ISE Ontario is registered with TICO # 4023792 under Planet France Inc.

C. While on Exchange

School

The degree of difficulty of your courses will vary depending on the type of school you attend and the program and level of placement. Whereas you may be accustomed to selecting from a wide range of courses, your program will likely consist of a block of courses. Individual course selection is not usually possible. Student/teacher interaction is generally more formal than in Canada. School work is taken very seriously by teachers, parents and students, and the same degree of seriousness is expected of the Canadian students.

Your daily attendance at school allows you to hear the language in a controlled setting, to develop your comprehension and thereby attain a higher level of proficiency by the end of your stay. Yet you may on occasion feel unwelcome as teachers and students focus on completing courses and preparing for final examinations. Your daily attendance is nevertheless mandatory and absence or lack of effort is reason for your early return to Canada.

Energy Conservation

Practice energy conservation even more than you do at home. Energy costs in Europe are much higher than in Canada. Be conscious of this when doing laundry and taking showers; turn off unnecessary lights, and expect to wear a sweater and slippers around the house. An adapter and/or voltage converter will be necessary to use small appliances in Europe.

Local Transportation

Many local bus systems operate on the honour system which means you do not have to show your ticket or pass each time you board the bus or train. However, bus and train checks do occur regularly and if you should be caught without a valid ticket/pass you will be subject to a fine. Train travel is a safe and common mode of transportation in Europe.

Food

Be conscious of the time your host family expects you home for meals and do not be absent at meal time without having made prior arrangements with your host parents. Remember that meal times are very special and important events in most families. Be willing to try unfamiliar foods. A fundamental part of the cultural experience is trying new things.

Telephone and Internet Communication

We recommend you speak with your phone provider prior to your departure if you plan to send your child with a cell phone. Your child should speak with his or her host parents prior to or when they arrive regarding WIFI access. Ask the host family’s permission and discuss time restrictions for technology use.

An important factor in the personal growth that develops through an exchange is the “separation” from family, friends and all that is familiar. This separation clearly can be difficult at times, but results in tremendous independence and increased self-confidence. Constant, daily communication has a definite negative impact on the benefits of the overall experience for students and often affects integration and involvement in family activities. The hosting parents often question the constant communication with parents at home in terms of the degree of confidence there is in their hosting of the exchange student.

Travel

Travel for the Canadian students is restricted to excursions with the school or the host family (see Rules for All Exchange Participants and the Conditions of Participation). No exceptions will be made for independent travel.

Homesickness

It is quite normal to experience a period of homesickness. Rest assured that feelings of homesickness do pass within a short time; it is important to keep busy and to share your feelings with your exchange partner, host family or friends. Try not to phone home too often and give yourself time to adjust to the new environment.

Speaking the Target Language

One of the main objectives of the exchange is to practice the language. At first you will find yourself listening a great deal - this is an important part of learning a language. You will find that you may speak hesitantly at first, but as your confidence increases, you will become less conscious about speaking. Practice as much as possible.

You and your partner must resolve not to speak English together while you are abroad. It is now your turn to work on language learning. Also try to avoid speaking English with other Canadian exchange students and spending your free time with them. Doing so reduces the opportunities for making other friends and for using the target language.

Being a Good Ambassador

As a visiting exchange student, you will be noticed by your classmates; you may even be the first Canadian they have met. Make a conscious effort to create a good impression. Encourage students to come to Canada on exchange by sharing your knowledge of the country with them.

Keys to Success • acquire a basic knowledge of your exchange destination before your departure• be flexible and open minded when faced with new ideas and practices that may not be what you are used to• understand that some things will seem “strange” because of different (not necessarily better or worse) social or

cultural values• be prepared for your relationship with your partner to be different in the hosting and visiting period• maintain open communication with your exchange partner and host family; ask questions, express interest,

show appreciation, be honest!• the more curious you are about all aspects of life in your host family and country, and the more questions you

ask, the more you will be appreciated and given added opportunities to see and do things• remember the goals you had when you first applied for the exchange and determine to achieve them• expect to have good, bad and homesick days; have the courage to move on to making your short stay the once

in a lifetime experience it can be

D. Coming Home, Advice to Parents & Checklist

Evaluation

You will be asked to complete an online evaluation form at the end of the exchange. Your comments and suggestions are always welcome to assist us in improving the program for future participants.

Period of Readjustment

You may experience a period of disorientation or culture shock when you first return home to Canada. You should anticipate this and allow yourself time to readjust. Do not expect all of your friends and classmates to share your enthusiasm for your exchange experience for a prolonged period.

Advice to Parents

Encourage your child to make the most of the exchange, to participate fully at school and in other activities.

Arrange a day and time when you will communicate with your child, but avoid contacting too often. Frequent communication can make the adaptation process longer and more difficult. Excessive communication in any of its forms can seriously affect the integration of the student into the host family and community.

Please note that appropriate use of technology cannot be “legislated” or controlled by the exchange authorities. Students and parents must arrive at responsible behaviour through open discussion.

We recommend that you do not plan on visiting your son/daughter during the exchange. It can be disruptive to the host family, and even more so to the students.

If your child tells you about an ongoing problem with the exchange partner, family or school which cannot be resolved through discussion with the parties concerned, remind him/her that the proper procedure is to contact the hosting exchange officials. ISE Ontario, along with your regional program manager, are the contacts for Canadian parents both during the hosting period and while the Canadian students are abroad.

Checklist

Passport valid 3 months past the return date (and electronic copy) Spending money Made arrangements for missed school work/ credits with your teachers/ guidance counsellor STUDENTS WHO ARE NOT CANADIAN CITIZENS are solely responsible for ensuring that they are

carrying the proper documents for entry into the host country as well as documents proving landed immigrantstatus to ensure re-entry into Canada; please contact their applicable Embassy for clarification.

BON VOYAGE!

III THE HOSTING PERIOD

A. Before Arrival

Personal Objectives

Prior to the arrival of your exchange partner, establish a few personal goals, such as flexibility, openness to new experiences, patience and tolerance. Open-mindedness is key to a successful exchange!

Correspondence

You and your family must communicate regularly with your exchange partner and his or her family in order to establish a relationship before he/she arrives. Try communicating in English as well as in your partner’s language. Describe for your partner everything about your life; your family, friends, school, typical routines, community, important events, and what he or she would have access to.

Correspondence between parents should include details about the following: • your home life - chores, curfew, smoking, alcohol, religious practice• family customs and activities• weather and clothing for the period of the exchange• allergies and diet - meals and preferred foods

Preparation by the Family

Every member of the family must agree to participate in the exchange by supporting the presence of a new family member during the hosting period. Prior to the visiting student’s arrival, it is necessary to prepare his/her room or some private space. In homes where there is not normally a guest room, it is strongly recommended that a room be shared by siblings so that the exchange partner can have his/her own room.

Planning Activities

It is generally assumed that you and your family will want to share some provincial or local sights and events with your exchange partner, and that your partner’s family will do the same for you; there is however no guarantee of reciprocal treatment during the second half of the exchange. Planning for activities should be a topic of discussion between students and parents prior to and during the hosting period.

The planned activities should also be communicated to the partner and parents in advance of arrival. This will help to determine interest, to clarify expectations, and to set a reasonable budget for hosting on both sides.

Friends

Canadian students should be very supportive of their partners with fitting in and making new friends. Encourage your partner to try to make his or her own friends in addition to befriending yours. This will allow both of you to spend some time apart enjoying some different activities. Understand that it is normal that your exchange partner will be the focus of attention since he or she is new here.

B. While Hosting in Canada

Arrival at the Home

Try to make your exchange partner’s arrival a special event. Help your partner unpack and settle into your home; give him/her a tour of your home and explain certain features, e.g. how the shower works, how to operate your appliances and how to make a telephone call home. Establish how your parents may be addressed (first names are usual).

Within the first few days, take your exchange partner around the neighborhood or community for a tour. Introduce him/her to your friends (easier in a one-to-one situation rather than a group).

When you are learning a second language you tire very quickly. Allow for lots of sleep, sports, non-conversational activities and private space and time for your exchange partner, especially during the first days and weeks.

Family Rules

Parents should establish the house rules and expectations early. Understand that the student may be tired and may not comprehend everything the first time. You may need to go over the house rules slowly again two or three days later, and further reminders may still be needed.

Travel for the visiting students is restricted to excursions with the host school or member/members of the host family (see Rules for All Exchange Participants, Part I page 3). This information has been provided to all exchange families prior to departure. No exceptions will be made for independent travel requests.

Getting Along

The nine or twelve week hosting period is usually too long for anyone to have a guest in their home. Treat your exchange partner as a member of the family. Assign chores and accept help around the house.

Do not be surprised if your exchange partner becomes homesick. It is a normal reaction when one is far away from home, family and friends. Phoning home usually intensifies the sadness. Encourage your partner to keep busy, involve themselves with your family and participate in activities. Reassure him or her that the homesickness will pass.

Your exchange partner must be encouraged to communicate with you if there is a concern at any time. He/she must see that you and your family care. In many cases a gesture of affection will break the barrier. Don’t hesitate to talk openly when you think something is wrong! In the early days of the exchange, verify that your partner understands and is not just saying yes to be polite. While good communication with your exchange partner is important at all times, remember to allow for some private time as well.

If the Canadian parents want the exchange partner to do something or to modify behavior, they should tell him/her directly; problems can occur if the Canadian student is used as an intermediary.

It is important to find out early about your exchange partner’s eating habits. Ask about favorite foods and foods that he/she cannot eat. Encourage him/her to try things that may be new.

School

It is important that your exchange partner feels welcomed by your school.

Introduce your exchange partner to the staff at school; the school exchange contact (if applicable), head secretary, principal, and for secondary students, the guidance department. They will all appreciate the reminder.

It is essential that secondary students take their exchange partner to school for a tour and to the Guidance office during the week prior to school opening in order to arrange a suitable timetable. It is not necessary for your exchange partner’s timetable to be the same as yours. Ask your Student Council to issue a complimentary student card to your partner.

You are responsible for arranging transportation to/from school for the visiting student. Eligibility for school bus transportation is determined by each individual school board. We recommend you make an inquiry with your local busing consortium as early as possible. Where public transportation is required, you are responsible for making the arrangements and for the cost.

Encourage your exchange partner to take courses which satisfy his/her personal interests and requirements. Appropriate courses may include Canadian History or Geography and English. Through your guidance counselor, ensure that the level of difficulty is also suitable. Introduce your partner to each subject teacher and explain that he/she is an exchange student and will be in the class for only nine weeks. Introduce your exchange partner to a friend in each of his/her classes to help ensure that the teacher’s instructions are understood.

Your exchange partner is expected to attend school regularly, except for illness or to take part in school field trips. Try to arrange for your exchange partner to go on as many school field trips as possible, even if he/she does not belong to the class going on the trip. Encourage your exchange partner to become involved in extracurricular activities so that he/she will make new friends. The exchange becomes more meaningful if your exchange partner becomes involved with other people and in as many activities as possible.

Remember that the first week of school can be overwhelming for any new student, especially for one who is used to an entirely different system and unaccustomed to all the daily procedures. Do not abandon your exchange partner at school in the first few days! This will only increase his/her sense of isolation and may lead to serious problems in your relationship.

If serious school problems develop, contact your regional marketing manager or the ISE office.

Language Learning

The frustration period while learning a second language may last for a few weeks. The strength of the motivation to learn the second language and the family environment will determine the rate of progress. When an exchange student becomes capable of expressing him/herself in a second language it is a wonderfully satisfying accomplishment.

Remember that your exchange partner is here to learn English! Give him/her ample opportunity to practice it. Your turn to practice your partner’s language will come during your stay with that family! You can help by asking questions which require more than a simple yes/no response, and by suggesting that your partner:

• answer the phone once having been shown how• write the grocery lists and go along to the grocery store• write something daily in English• participate in or observe all types of social games, cards, scrabble, English television, videos, music

Keep in mind that even when language skills are limited, a person knows if one is being talked about rather than spoken to. Do not treat your exchange partner as a third person when conversing in the family or with friends. Your partner may use his/her newly-acquired language inappropriately, completely unaware of the meaning of the vocabulary. If this should happen, he/she must be told what is unacceptable in a polite but firm way.

Part-time Jobs

While your partner is here, you will have to balance your school and social life as well as your role as host. It is expected that you will avoid working during your exchange partner’s stay with you. You should discuss with your partner to ensure he/she will limit/avoid working during the hosting period, and also discuss how much time will be devoted to his/her studies. Keep in mind that you are to treat your exchange partner as a priority throughout their stay.

You should ensure that your exchange partner is involved in activities when you are otherwise occupied. Discuss with your partner about how you can keep occupied, when your partner is busy with homework.

Telephone and Internet Communication

Frequent contact with other exchange students should be discouraged in the interests of the objectives of the exchange program. It is necessary to have a clear understanding about payment of local/long distance telephone calls and computer usage. Review with the student the format of telephone and internet billing, pointing out the details that are provided. Establish with him/her a procedure for keeping a record of usage. It is recommended that each student pays for all personal expenses while in the host country.

Technology Use

Excessive use of technology has proven to seriously hinder the benefits of the student exchange experience both in language learning and cultural growth. Discuss time restrictions and then ensure that everyone is adhering to the limits. Set boundaries for technology usage from the outset and provide frequent reminders, if necessary.

Participants are strongly advised not to borrow or lend electronic devices during an exchange. These devices can be extremely expensive to repair or replace if damaged or lost.

Please note that appropriate use of the internet and social networking sites cannot be “legislated” or controlled by the exchange authorities. Students and parents must arrive at a reasonable limit through open discussion.

Money

During each half of the exchange program, the hosting family must provide for the daily needs of the exchange student including accommodation and all meals (including packed lunch or lunch money), tuition-free schooling, school uniform where required (usually borrowed), and transportation to and from school. It is understood that if the family goes out for dinner or on an excursion, the costs for the exchange student will be paid by the family, as for their own children. When the partners are out socially however, the visiting student should pay his/her way, just as Canadian friends do when they are out together.

While a guest in your home, the exchange partner should not be expected to pay for standard products like toothpaste, shampoo, soap etc. If they require something expensive regarding products of this type, then they should pay for it. Unlike family outings, special programs such as lessons or activities can be negotiated with the parents of the guest student. Participation in these things should not be required of the guest but should be agreed to and done willingly.

C. General Observations & Helpful Hints

General Observations

Many visiting students are used to very direct and frank communication. Try not to mistake the student’s choice of words or openness for discourtesy or rudeness. Try not to be offended if your exchange partner does not say “please” and “thank you” as often as might be expected. This can often be attributed to language and cultural differences. A gentle reminder of when “please” and “thank you” should be spoken is entirely appropriate.

Helpful Hints

• You must learn to adapt to having an exchange student living in your home. Be willing to bend a little, and perhaps sacrifice a few habits in order to make your exchange partner feel at ease.

• Be open-minded and flexible. Be prepared for cultural differences such as greeting with a kiss on both cheeks.

• It is natural for your exchange partner to make comparisons between his/her country and Canada, sometimes not very positive ones. Try not to take them too seriously.

• Television can be a good language-learning medium, but it is also very tiring to watch for long periods and concentrate in another language.

• Find out about special occasions (birthdays) and celebrate them accordingly.

• Go out of your way to do little things for your partner. It will make the exchange more pleasant for both of you.

• Although great care is taken in matching and all the information submitted in the application forms is taken into account, these steps may not ensure “a perfect match”. It is unrealistic to expect that partners will necessarilybecome best friends. Our hope is that students will be sufficiently compatible to benefit from and enjoy the exchange experience. It is an added bonus when students do become good friends, but don’t be disappointed if you and your partner do not.

Documents

19-2020 Family Guide to Exchanges - ISE Ontario · When a concern arises, please contact your regional marketing manager or the ISE office as soon as possible. Open communication