Glossary

Accident/Accidental: Unintentional and unexpected bodily harm occurring as a result of a sudden external action involving an impact.

Agent: Any legal organization or person authorized by the Insurer to sell this insurance and accept premium payments.

Caregiver: Means a permanent, full-time person entrusted with the care of You or Your Dependants,whose absence cannot reasonably be replaced.

Change: Means any of the following alteration or deterioration of Your health status: onsetof new and/or more frequent Symptoms; You have sought consultation from a Physician; Youhave been hospitalized; You have undergone investigative tests for the purpose of establishing adiagnosis (other than routine); Your Treatment has been modified; You have been prescribed anew Medication or the dosage and/or the frequency of a Medication has increased or decreased(except for Insulin/Coumadin) and/or the Medication was stopped;

Common carrier: Means an entity licensed to carry passengers for hire on land, water or air.

Complementary Insurance: Means the insurance subscribed with the Insurer before YourDeparture date to be in effect immediately after another insurance policy issued either from theInsurer or from another company. You are responsible for verifying that Complementary Insuranceis permitted by the underwriter of the other travel policy. If it is subsequently determined thatextension was not permitted, the Insurer will decline any liability and the ComplementaryInsurance premium will be refunded. The Insurer must be advised of any Change in health statusas soon as there is a medical consultation while insured by the other travel insurance.

Confirmation letter: Is a letter that the Insurer sends You to confirm details of Your insurancebased on the information You supplied on Your application.

Covered life: For the Emergency Medical protection, the Baggage protection and AccidentalDeath and Dismemberment protection, it means each person mentioned as an insured in theapplication. For the Trip Cancellation and Interruption protection, it means You; Your Immediatefamily (including Your Spouse); Your host at destination; Your Travelling companion; a Caregiver;a Key employee; or a business partner.

Departure date: Means the date on which You are scheduled to start Your Trip as shown inYour application (using the local time at Your Canadian address).

Departure point: Means the city You depart from on the first day of Your Trip.

Dependents: Means Your sons and daughters aged between 3 months and 21 years at timeof departure, who are unmarried and dependent on You for support.

Dismemberment: Means irrevocable severance of an arm or a leg above the wrist or ankle joint.

Effective Date: For the Medical Emergency coverage, means the latest between the datethe application and premium are received by the Insurer, or 12:01 AM on the date indicated asthe Effective Date on the application for insurance. For Trip Cancellation and Interruption is thedate the application and the full premium payment are received by the Insurer. Effective date forBaggage and Accidental Death and Dismemberment coverage is Departure date.

Emergency: An unexpected Sickness or Injury that requires immediate medical attention orTreatment to prevent a threat to the life or health of the insured or minimize such a threat.It ceases to be considered an Emergency when the condition is medically stable based oncircumstantial facts and supported by the medical director of the Emergency assistance company.In such cases the insured may return to his/her province of residence. For the Trip Cancellationand Interruption protection, the Emergency must be so disabling as to cause a reasonable personto delay, cancel, or interrupt their Trip.

Event: Means Accidents, Sicknesses or occurrences which according to this insurance policywould generate a claim.

Exclusion: Medical care or any other service directly or indirectly related to a specific conditionnot subject to reimbursement.

Expiration Date: Means the earliest between midnight on the day indicated as ExpirationDate on the application, the date the Insured returns to his(her) province of residence or the dateof the Event that caused the cancellation of the policy if Your Trip is cancelled before departure.

Hospital: Any facility duly licensed as a Hospital that regularly treats patients on an inpatientor outpatient basis.

Hospitalization: An emergency room admission or an inpatient admission, for at least 18hours, in a Hospital

Immediate Family: Means parents, grandparents, children, grandchildren, brothers, sistersof the insured.

Injury: A sudden bodily wound directly caused by an Accident during the Policy Period andunrelated to Sickness and/or any other cause.

Insurer, We, Us: Means LS Mutual Life Insurance company

Key employee: Means an employee of a business You own, whose presence is critical to theongoing affairs of Your business during Your absence.

Limitation: A physical or mental condition that prevents a person from carrying out an activityor a normal function.

Loss of hearing: Means complete and irrecoverable loss of hearing.

Loss of sight: Means complete and irrecoverable loss of eyesight.

Loss of speech: Means complete and irrecoverable loss of speech.

Medication: A chemical or biological substance that changes or corrects the organic functionsor course of a Sickness. The Medication must be prescribed by a licensed Physician and listed inYour medical records.

Minor ailment: Any sickness or injury which does not require:1) the use of medication for a period greater than 15 days, or2) more than one follow-up visit to a physician, or3) hospitalization or surgical intervention or referral to a specialist.To be considered as a Minor ailment, the sickness or injury must end at least 30 consecutive daysprior to the Departure date of each Trip. However, a chronic condition, a condition requiringon-going medical attention and the reoccurrence of a sickness or injury in the six months periodfollowing the initial manifestation are not considered a Minor ailment.

Minor surgery: Any surgery not requiring general anaesthesia.

Physician: An individual who is qualified and legally licensed to prescribe Medications, toprovide medical Treatment and to perform medical operations at the location where servicesare obtained. A Physician does not include a naturopath, herbalist or homeopath. Also, for anypayable benefit under this policy requiring a confirmation, a prognosis or a diagnosis from aPhysician, the Physician must not be a member of Your family.

Policy Period: Period between the Effective Date of Coverage and the Expiration Date of the policy.

Pre-existing Condition: A medical condition for which You have consulted a Physician,received or are receiving a Treatment or exhibited Symptoms prior to the Departure date.Treatment does not include the unaltered use of prescribed Medication for a medical conditionthat is Stable and Controlled. This term also relates to a medically recognized complication orRecurrence of a medical condition.

Recurrence: The reappearance of Symptoms caused by or related to a medical conditionwhich was previously diagnosed by a Physician or for which Treatment was previously received.

Schedule change: Means the later departure of an airline carrier causing You to miss Yournext connecting flight via another airline carrier (or connecting cruise ship, ferry, bus or train),or the earlier departure of an airline carrier rendering unusable the ticket You have purchasedfor Your prior connector flight via another airline carrier (or connecting cruise ship, ferry, bus ortrain). Schedule change does not mean a change resulting from a supplier default, strike or alabor disruption.

Sickness: An unforeseeable illness or disease that requires Emergency medical Treatment orcare during the Policy Period.

Spouse: Means the person to whom You are legally married or a person who has been livingwith You in a conjugal relationship and has been publicly represented as Your partner for a minimumof one year. You may only have one Spouse for the purposes of this insurance.

Stable and controlled: means any medical condition (other than a Minor ailment) for whichall the following statements are true:1. there has been no new diagnosis, Treatment or prescribed Medication (including prescribedas needed);2. there has been no change in Treatment frequency or type, or change in Medication, includingthe amount of Medication to be taken, its dosage or the type of Medication*;* Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral Medication tocontrol diabetes in order to maintain an optimal control (as long as they are not newlyprescribed or stopped) and a change from a brand name Medication to a generic brandMedication (provided that the dosage is not modified);3. there have been no new Symptoms, more frequent Symptoms or more severe Symptoms;4. there have been no test results showing deterioration;5. there has been no Hospitalization or referral to a specialist (made or recommended) and Youare not awaiting the results of further investigations for that medical condition.

Symptom: Pain, feeling, weakness, sensitivity reported by the patient or a pathologic disorderwhich is documented in his/her medical chart.

Terminal Illness: A medical condition for which there is cause for a Physician to estimate a lifeexpectancy of twelve (12) months or less.

Tour+Med Plans: Include the plans Tour+Med International (single trip and annual) andTour+Med Express (single trip and annual).

Travelling / Travel companion: Under Cancellation and Interruption protection and NonMedical package, means the person with whom You are sharing travel arrangements and prepaidaccommodation and that is named so in the application.

Treatment: Any medical, therapeutic or diagnostic procedure prescribed, performed or recommended by a Physician, including monitoring of specific issues following abnormal test results and/or changes in health condition, prescribed Medications (including Medication prescribed ”as needed”), investigative tests and surgery.

Trip: Means a trip outside of Your province of residence taken by You during the Policy Period.

Vehicle: An automobile, motorcycle, recreational vehicle (RV), van or trailer owned or leasedby the insured.

You and Your: Each person named on the application for insurance and who is coveredunder the policy.