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Definitions

Definitions

Acts of Terrorism

The definition for Terrorist Activity has been amended to Acts of Terrorism.

Acts of War

A new definition for Acts of War has been added to the policy wording.

Loss

The definition for Loss is no longer applicable for the Visitors to Canada Emergency Medical Insurance. Loss is no longer a defined term for that plan.

Minor Ailment

The definition for Minor Ailment has been amended. A Minor Ailment now does not require treatment for a period of greater than 30 days (instead of medication for a period of 30 days) and does not require more than one follow-up visits (instead of any follow-up visits at all).

Pre-existing Condition

A new definition for Pre-existing Conditions has been added to the policy wording for the Visitors to Canada Emergency Medical Insurance plan.

Stable

The definition of stable now also applies to the Visitors to Canada Emergency Medical Insurance plan.

Terminal Condition

The definition of Terminal Condition has been amended so that a terminal condition now means the insured has been given a terminal prognosis with a life expectancy of 12 months or less.

Travel Costs

City passes and ferries have been added to the definition of Travel Costs.

Travelling Companion

The definition of Travelling Companion now applies to all plans and optional coverages. Previously it only applied to the Trip Cancellation/Trip Interruption/Trip Disruption plan.

Trip

The definition of trip has been amended to mean the period of time that the insured is travelling and for which coverage under their Policy has been purchased.

Waiting Period

The definition for Waiting Period has been amended so that a waiting period no longer applies to the Visitors to Canada Emergency Medical Insurance plan when coverage is purchased prior to arriving in Canada.



If you have questions or would like to make a change to your policy, please call or visit your local BCAA Service Location.

  • Review a printer-friendly version of the full-list of changes to your policy
  • Download your updated policy wording booklet
  • Receive a wording booklet by mail

Insurance is sold through BCAA Insurance Agency. The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TravelGold is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd., d.b.a. TuGo, a licensed insurance broker in British Columbia. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.