BMO
®
Travel
Protection with
Trip Cancellation
Certificate of Insurance
Inside You’ll find all You need to know
about the BMO Travel Protection
with Trip Cancellation features and
benefits offered to BMO Mastercard
®
*
Cardholders.
BMO Mastercard
®
*
Table of contents
1 Definitions .................................3
2 Insurance effective and termination date ........7
3 Eligibility ..................................7
4 Coverage period and description of benefits ......8
4.1 CAR RENTAL BENEFITS ......................8
4.1.1 COLLISION DAMAGE WAIVER CDW BENEFITS ...9
4.1.2 CAR RENTAL ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS ................... 10
4.1.3 CAR RENTAL PERSONAL EFFECTS BENEFITS .... 12
4.1.4 CAR RENTAL BENEFITS LIMITATIONS AND
EXCLUSIONS ................................ 12
4.1.4.1 GENERAL CAR RENTAL BENEFITS LIMITATIONS
AND EXCLUSIONS ............................ 12
4.1.4.2. COLLISION DAMAGE WAIVER CDW BENEFITS
LIMITATIONS AND EXCLUSIONS ................. 14
4.1.4.3 CAR RENTAL PERSONAL EFFECTS BENEFITS
LIMITATIONS AND EXCLUSIONS ................. 15
4.2 TRIP ASSISTANCE ......................... 16
4.2.1 TRIP ASSISTANCE SERVICES ................16
4.2.2 LEGAL ASSISTANCE SERVICES .............. 16
4.3 TRIP CANCELLATION, TRIP INTERRUPTION/TRIP
DELAY AND FLIGHT DELAY BENEFITS ............. 17
4.3.1 TRIP CANCELLATION BENEFITS
PRIORTODEPARTURE ....................... 17
4.3.2 TRIP INTERRUPTION/TRIP DELAY BENEFITS
POST DEPARTURE ..........................20
4.3.3 FLIGHT DELAY BENEFITS ..................22
4.3.4 TRIP CANCELLATION, TRIP INTERRUPTION/TRIP
DELAY AND FLIGHT DELAY BENEFITS LIMITATIONS AND
EXCLUSIONS ................................23
4.4 BAGGAGE AND PERSONAL EFFECTS BENEFITS ...25
4.4.1 COVERAGE PERIOD AND BENEFITS ...........25
4.4.2 BAGGAGE AND PERSONAL EFFECTS BENEFITS
LIMITATIONS AND EXCLUSIONS .................27
1
4.5 COMMON CARRIER  COVERAGE PERIOD AND
DESCRIPTION OF BENEFITS . . . . . . . . . . . . . . . . . . . . . 27
4.5.1 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS ...................27
4.5.2 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT LIMITATIONS AND EXCLUSIONS ..29
5 Conditions ................................30
6 General provisions .......................... 31
7 Notice of claim and filing aclaim ..............32
7.1 NOTICE OF CLAIM .........................32
7.2 FILING A CLAIM ..........................33
8 Protecting your personal information ..........35
CONTACT INFORMATION ......................37
2
Certificate of Insurance
IMPORTANT NOTICE – PLEASE READ CAREFULLY
This Certificate of Insurance is designed to cover losses
arising from sudden and unforeseeable circumstances
only. It is important that You read and understand this
Certificate of Insurance as Your coverage is subject to
limitations and exclusions.
Right to examine this insurance: If You notify Us that
this insurance does not meet Your needs within ten (10)
days of the date of issue, We will provide a full refund
if You have not already departed on a Trip and have not
incurred a claim. Refunds are only available when the
Operations Centre received Your request for a refund
before Your scheduled Departure Date.
Warning: Trip Cancellation, Trip Interruption/Trip Delay
and Flight Delay benefits for this Certificate of Insurance
contain a Pre-existing Conditions Exclusion. The Pre-
existing Conditions Exclusion is applicable to Medical
Conditions and/or symptoms that existed on or prior to
the date Your Coverage Period began.
There is no coverage under this Certificate of
Insurance for Pre-existing Conditions as described
in the Limitations and Exclusions section of the Trip
Cancellation, Trip Interruption/Trip Delay and Flight
Delay benefits.
This Certificate of Insurance does not include Out-of
Province/Out of Country Emergency Medical benefits.
Please note that Your prior medical history may be
reviewed by Us, when a claim is reported.
You may contact Allianz at the followingaddress:
Allianz Global Risks US Insurance Company (Canadian
Branch), 130Adelaide Street West, Suite 1600,
Toronto,ON M5H 3P5, 1-866-658-4247.
For all benefits excluding Accidental Death and
Dismemberment: This certificate 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.
PLEASE READ YOUR CERTIFICATE CAREFULLY BEFORE
YOUTRAVEL.
The Common Carrier Accidental Death and Dismemberment
Benefits described herein are underwritten by Allianz
Global Risks US Insurance Company (Canadian Branch)
(“Allianz”) under Group policy number FC310000-A,
referred to herein as (the “Policy”) issued to Bank of
Montreal (the “Policyholder”, “BMO”). All other benefits,
3
are offered by Allianz to You under an individual policy
which number corresponds to the last 4 digits of Your BMO
Mastercard number (referred to herein as the “Individual
Policies”). The insurance described in this Certificate of
Insurance is for eligible Mastercard Primary Cardholders
of BMO whose Accounts are in Good Standing and where
specified, their Spouses, Dependent Children and/or certain
other persons (referred to herein as “You” or “Your”). This
insurance is administered by Allianz Global Assistance
through the Operations Centre. BMO receives compensation
from the sale of this insurance. This Certificate of Insurance
is effective on the date BMOreceives and approves
the Primary Cardholder’s request that this insurance be
included as a feature of their Mastercard.
Only BMO may determine who is Primary Cardholder,
whether an Account is in Good Standing and whether the
insurance pursuant to this Certificate of Insurance has
come into or is in force.
No person is eligible for coverage under more than one
certificate of insurance providing insurance coverage
similar to that provided hereunder. In the event that any
person is recorded by Us as an “Insured Person” under
more than one such certificate, such person shall be
deemed to be insured only under the certificate, which
affords that person the greatest amount of insurance
coverage. In no event will a corporation, partnership or
business entity be eligible for this insurance coverage.
This Certificate of Insurance supersedes any certificate
previously issued to You.
In this Certificate of Insurance, certain terms have
defined meanings. Defined terms are capitalized
throughout this document. Those Defined terms are
as follows.
1 Definitions
Accidental Bodily Injury means bodily injury caused
directly and independently of all other causes by external
and purely accidental means. The accident must occur
during the Coverage Period and the loss to which the
insurance applies must result within three hundred and
sixty-five (365) days of the date of the bodily injury and
must not result from any of the exclusions.
Account means the Primary Cardholder’s Mastercard
account, which is in Good Standing.
Actual Cash Value means We will pay the lesser of:
• the actual purchase price of a similar item;
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• the actual cash value of the item at the time of loss,
which includes deduction for depreciation (for items
without receipts, the insurance will pay up to 75% of
the determined depreciated value); or
• the cost to repair or replace the item.
Baggage means luggage and personal possessions,
whether owned, borrowed or rented, and taken by You
on the Trip.
Benefit Amount means the Loss amount applicable
at the time the entire cost of the Passenger Fare(s) is
charged to Your Mastercard Account.
Certificate of Insurance means a summary of the
benefits provided under the Policy issued to BMO
covering accident and sickness.
Common Carrier means any land, air or water
conveyance for regular passenger service, which is fully
licensed to carry passengers for compensation or hire
and which undertakes to carry all persons indifferently as
to who may apply for passage, so long as there is room
and there is no legal excuse for refusal.
Coverage Period means the time insurance is in effect,
as indicated in the various sections of this Certificate of
Insurance.
Departure Date means the date on which You depart on
Your Trip.
Dependent Child(ren) means an unmarried natural,
adopted or stepchild of a Primary Cardholder dependent
on the Primary Cardholder for maintenance and support
who is:
• twenty (20) years of age and under; or
• twenty-five (25) years of age and under and a
full-time student attending a recognized college or
university; or
• twenty-one (21) years of age or older and
permanently mentally or physically challenged and
incapable of self-support and became so while eligible
as a dependent child.
Essential Items means necessary clothing and/or
toiletries purchased during the time period in which
checked Baggage has been delayed.
Family Cardholder means a Primary Cardholder’s
Spouse and/or Dependent Child who have been issued a
supplemental Mastercard on the Account by BMO.
Good Standing means being in full compliance with all
of the provisions of the Cardholder Agreement in force
between the Primary Cardholder and BMO, as amended
from time to time.
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Immediate Family Member means the Insured
Person’s Spouse, child including adopted children and
stepchildren, parent, sibling, legal guardian, parent-in-
law, grandparents, grandchildren, daughter-in-law, son-
in-law, brother-in-law and sister-in-law.
Injury means any bodily harm caused by an accident
which results in a covered loss and which requires the
immediate medical care or Treatment of a Physician.
Insured Person means those persons covered for the
benefits described in this Certificate of Insurance as
specifically defined in each of the benefit sections.
Loss means, with respect to a hand, complete severance
throughout or above the knuckle joints of at least four
(4) fingers on the same hand; with respect to a foot,
complete severance through or above the ankle joint.
We will consider it a loss of hand or foot even if they are
later reattached.
Mastercard means a Mastercard card issued by BMO and
for which BMO has received and approved the Primary
Cardholder’s request to include this insurance as a
feature of the card.
Medical Condition means any Sickness, Injury or symptom.
Mysterious Disappearance means when the article of
personal property in question cannot be located, and the
circumstances of its disappearance cannot be explained
and do not lend themselves to a reasonable inference
that a theft occurred.
Occupying means in, upon, entering into or alighting from.
Operations Centre means the Operations Center
maintained by Allianz Global Assistance. From Canada
and the U.S. call 1-877-704.0341. From elsewhere call
collect 1-519-741-0782.
Passenger Fare means a ticket for travel on a Common
Carrier which has been completely charged to the Account.
Tickets obtained through the redemption of loyalty points
earned under the Mastercard reward program are eligible
providing that all applicable taxes and/or fees have been
charged to the Primary or Family Cardholder’s Account
or paid through the redemption of loyalty points earned
under the Mastercard reward program.
Personal Effects means property normally worn or
designed to be carried on or by an Insured Person solely
for private purposes and not used for business.
Physician means a person, other than an Insured Person
or member of the Insured Person’s family (by blood or
marriage), who is a medical practitioner and whose legal
and professional standing within his or her jurisdiction is
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equivalent to that of a doctor of medicine (M.D.) licensed
in Canada.
Primary Cardholder means the cardholder who has
signed an application for a Mastercard, as primary
cardholder, and for whom the Mastercard Account
is established and for whom BMO has received and
approved a request to include this insurance as a feature
of the Mastercard.
Recurrence means the appearance of symptoms
caused by or related to a Medical Condition, which
was previously diagnosed by a Physician or for which
Treatment was previously received.
Rental Car means a land motor vehicle with four wheels,
that is designed for use mainly on public roads and which
You have rented from a commercial rental agency for Your
personal use for the period of time shown on the Rental
Car Agreement. Certain motor vehicles are not covered,
please refer to Section 4.1.4.2. With regards to the Collision
Damage Waiver (CDW) Benefit described under Section
4.1.1 a Rental Car may also include a commercial car
sharing program of which You are a member.
Rental Car Agreement means the entire written
contract that You receive when renting a car from a
commercial rental car agency that describes in full all
of the terms and conditions of the rental, as well as
the responsibilities of all parties under the Rental Car
Agreement. With regards to the Collision Damage Waiver
(CDW) Benefits described under Section 4.1.1a Rental Car
Agreement may also include a commercial car sharing
program of which you are a member and the terms and
conditions thereof.
Sickness means any sudden illness or disease requiring
the immediate medical care or Treatment of a Physician.
Spouse means the person who is legally married to the
Primary Cardholder; or if there is no such person, the
person who has been living with the Primary Cardholder
in a conjugal relationship and who resides in the same
household as the Primary Cardholder and is publicly
represented as the spouse of the Primary Cardholder. For
the purposes of this insurance the Primary Cardholder
may have only one (1) spouse.
Terrorism means the unsanctioned and illegal use of
force that causes destruction of property, injury or death
by an individual or group for the express purpose of
achieving a political, ethnic or religious goal or result.
Ticket means evidence of a fare paid for travel on a
Common Carrier, which has been partially or completely
charged to the Primary or Family Cardholder’s Account.
Ticket(s) obtained through the redemption of loyalty
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points earned under the Mastercard reward program are
eligible for coverage.
Travel Advisory means a formal written notice issued
by the Canadian government to advise travelers against
non-essential travel to a foreign country or a given
region in that country. This does not include travel
information reports.
Travel Companion is any person who travels with the
Primary Cardholder for the entire Trip and whose fare
for transportation and/or accommodation was entirely
prepaid at the same time as the Primary Cardholder.
Treatment means medical advice, care and/or service
provided by a Physician. This includes, but is not limited to,
diagnostic measures and prescribed drugs (including pills
and inhaled or injected medications). It does not include
checkups or cases where You have no specific symptoms.
Trip means a period of travel for which coverage is in
effect as specifically defined in each of the applicable
benefit sections of this Certificate of Insurance.
We, Our, Us means Allianz Global Risks US Insurance
Company (Canadian Branch).
You or Your means the Insured Person.
2 Insurance effective and
termination date
Except as otherwise stated herein, this insurance shall
come into effect on the date BMO receives and approves
the Primary Cardholder’s request to include the BMO
Travel Protection with Trip Cancellation as a feature of
their Mastercard.
Except as otherwise stated herein, this insurance shall
terminate on the earliest of:
1. the date the Insured Person is no longer eligible to
participate;
2. the date the eligible Account is defined as ineligible
by BMO;
3. 00:01h of the date the Primary Cardholder cancels
this coverage, or otherwise chooses to close the
Mastercard Account; or
4. the date the Policy is terminated.
3 Eligibility
To be eligible for this insurance You must be a resident of
Canada with a Mastercard Account in Good Standing.
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4 Coverage period and description
of benefits
4.1 CAR RENTAL BENEFITS
Coverage Eligibility
The Car Rental Benefits apply when You enter into a
non-renewable Rental Car Agreement for a four-wheel
passenger vehicle, where the total rental period does not
exceed forty-eight (48) days and is subject to limitations
and exclusions (as outlined in Section 4.1.4) and the
following requirements:
1. the Rental Car must be rented by the Primary
Cardholder, or a Family Cardholder; and
2. the Rental Car must be rented from a commercial car
rental agency; and
3. the full cost, or portion of the rental cost, must
be either charged to the Account or paid through
the redemption of loyalty points earned under the
Mastercard reward program. An eligible Rental Car
included in a pre-paid travel package is covered
if the full cost, or portion of the cost, of the travel
package was charged to the Account or paid through
the redemption of loyalty points earned under the
Mastercard reward program; and
4. You must not rent more than one vehicle at a time
during a rental period; and
5. You must decline the collision damage waiver
benefits (or similar provisions, such as “loss damage
waiver”) offered by the rental agency (when not
prohibited by law). If there is no space on the Rental
Car Agreement to decline coverage, You must write
on the contract “I decline the CDW provided by the
Rental Agency”. If such coverage is not available
from the rental agency, then CDW benefits are not
available under this Certificate of Insurance; and
6. the Rental Car must have been operated by the
Primary Cardholder, a Family Cardholder, the Primary
Cardholder’s Spouse or Dependent Child listed on
the Rental Car Agreement and authorized to operate
the Rental Car under the Rental Car Agreement in
accordance with its conditions, when the loss occurs.
Coverage Period
For a Rental Car to be eligible for coverage, this insurance
must be a feature of the Mastercard prior to entering into
the Rental Car Agreement or prior to the Insured Person
taking control of the Rental Car. Insurance coverage begins
as soon as the Primary Cardholder, the Family Cardholder,
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the Primary Cardholder’s Spouse or Dependent Child who
is authorized to operate the Rental Car under the Rental
Car Agreement takes control of the Rental Car. The total
rental period must not exceed forty-eight (48) consecutive
days. In order to break the consecutive day cycle, a full
calendar day must exist between rental periods. If the
rental period exceeds forty-eight(48) consecutive days,
coverage under this Certificate of Insurance will be void.
Insurance coverage ends at the earliest of:
1. the time when the rental agency assumes control of
the Rental Car, whether it be at its place of business
or elsewhere. Rental keys left in a locked drop
box does not constitute that the rental agency has
assumed control of the Rental Car;
2. the end of the chosen rental period; or
3. the date on which the Primary Cardholder’s coverage is
terminated in accordance with the “Insurance Effective
and Termination Date” provision set out above.
4.1.1 COLLISION DAMAGE WAIVER CDW BENEFITS
Insured Person means the Primary Cardholder, a Family
Cardholder, Primary Cardholder’s Spouse or Dependent
Child(ren).
Coverage Benefits
Subject to the terms and conditions, You are covered for
Rental Cars with a Manufacturer’s Suggested Retail Price
(MSRP), in its model year, up to a maximum of $65,000 for:
1. damage to the Rental Car; and
2. theft of the Rental Car or any of its respective parts
or accessories; and
3. rental agency charges for valid loss-of-use while the
Rental Car is being repaired; and
4. reasonable and customary charges for towing the
Rental Car to the nearest available facility.
This coverage does not provide any form of third party
automobile, property damage or personal injury liability
insurance. It is the responsibility of the Insured Person
to have adequate third party insurance, either through
their own automobile insurance policy or by accepting
the insurance offered through the rental agency.
The amount of the benefit payable will be equal to the
cost of the repair (including loss-of-use) or replacement
cost of Your Rental Car which has been damaged or
stolen, less any amount or portion of the loss assumed,
waived or paid by the car rental agency, its insurer, or a
third party insurer.
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In the event of a claim, the Insured Person must contact
the Operations Centre as soon as possible or within forty-
eight (48) hours. We will need the following information:
• a copy of the driver’s license of the person who was
driving the Rental Car at the time of the accident;
• a copy of the loss/damage report You completed with
the rental agency;
• a copy of the original police report when the resulting
loss from damage or theft was over $500;
• a copy of Your Mastercard sales draft, and Your
statement of Account showing the rental charge. This
charge must appear on your credit card statement
within ninety (90) days of the incident;
• the original front and back pages of the opened and
closed-out Rental Car Agreement, or if applicable,
a copy of Your membership agreement with the car
sharing program, a copy of the visual inspection report
completed prior to assuming control of the vehicle and
confirmation of Your time booked;
• a copy of the itemized repair estimate, final itemized
repair bill and parts invoices;
• original receipt(s) for any repairs for which You may
have paid; and
• if the loss-of use is charged, a copy of the rental
agency’s daily utilization log from the date the Rental
Car was not available for rental, to the date the Rental
Car became available to rent.
Please see section 4.1.4 for applicable limitations and
exclusions.
4.1.2 CAR RENTAL ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS
Insured Person means the Primary Cardholder and his/
her Spouse and Dependent Child(ren) while Occupying an
eligible Rental Car.
Coverage Benefits
Car Rental Accidental Death and Dismemberment
Insurance covers an Insured Person who suffers a “loss”,
as defined as follows, arising as a result of an Accidental
Bodily Injury to the Insured Person while Occupying an
eligible Rental Car.
“Loss of hand or foot” means dismemberment by
complete and permanent severance at or above the wrist
or ankle joint. “Loss of thumb and index finger” means
complete and permanent severance of the thumb and index
finger on the same hand. “Loss of sight” means complete
and irrecoverable loss of all visual acuity and it must be
11
the direct result of physical damage to the eye and/or optic
nerve. Legal blindness is not the standard for determining
Loss of sight under this Certificate of Insurance. “Loss of
speech or hearing” must be complete and irrecoverable.
Loss means one of the following losses as defined
herein:
Amount of Benefit
Loss
Primary
Cardholder
Each
Additional
Insured
Person
Loss of Life $200,000 $20,000
Loss of Both Hands or Feet $200,000 $20,000
Loss of One Foot or One
Hand and the Entire Sight
of One Eye
$200,000 $20,000
Loss of Entire Sight of
Both Eyes
$200,000 $20,000
Loss of One Hand and One
Foot
$200,000 $20,000
Loss of Speech and
Hearing
$200,000 $20,000
Loss of One Hand or One
Foot
$100,000 $10,000
Loss of Entire Sight of
One Eye
$100,000 $10,000
Loss of Speech $100,000 $10,000
Loss of Hearing $100,000 $10,000
Loss of Thumb and Index
Finger on the Same Hand
$ 50,000 $ 5,000
The maximum benefit payable for any one accident is
$300,000. If more than one of the described Losses is
sustained by an Insured Person in any one accident,
then the total benefit payable for that accident is
limited to the greatest amount payable for any one of
the Losses sustained.
Please see section
4.1.4 for applicable limitations and
exclusions.
Exposure and Disappearance
If by reason of an accident covered by this Certificate of
Insurance an Insured Person is unavoidably exposed to
the elements and as a result of such exposure suffers a
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loss for which indemnity is otherwise payable hereunder,
such loss will be covered hereunder.
If the body of an Insured Person has not been found within
twelve (12) months after the date of disappearance as the
result of the sinking or wrecking of a vehicle in which the
Insured Person was riding at the time of the accident and
under such circumstances as would otherwise be covered
hereunder, it will be presumed that the Insured Person
suffered loss of life resulting from Accidental Bodily Injury.
Beneficiary
Any accidental death benefit payable under this
Certificate of Insurance will be paid to the Primary
Cardholder, if living, otherwise to the estate of the
Primary Cardholder, unless a beneficiary designation
has been filed with Allianz Global Assistance. All other
benefits are payable to the Primary Cardholder.
4.1.3 CAR RENTAL PERSONAL EFFECTS BENEFITS
Insured Person means the Primary Cardholder, his/
her Spouse and Dependent Child(ren) travelling with the
Primary Cardholder or Family Cardholder who has rented
the Rental Car.
Coverage Benefits
This Personal Effects insurance covers theft or damage
to Personal Effects belonging to an Insured Person while
such Personal Effects are in a Rental Car during a trip for
the duration of an eligible rental period.
Coverage during such rental period will be the Actual
Cash Value of Your Personal Effects up to a maximum
of $1,000 for each Insured Person, per occurrence. Total
benefits during each rental period are limited to $2,000
per Account.
Please see section
4.1.4 for applicable limitations and
exclusions.
4.1.4 CAR RENTAL BENEFITS LIMITATIONS AND
EXCLUSIONS
4.1.4.1 GENERAL CAR RENTAL BENEFITS
LIMITATIONS AND EXCLUSIONS
This insurance does not cover certain risks. We will not
pay any of the Car Rental benefits if a claim is directly or
indirectly a result of one or more of the following:
Damage – wear and tear, gradual deterioration,
mechanical or electrical breakdown or failure, insects or
vermin, inherent flaw or damage; damage caused by the
use of incorrect fuel type;
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Loss of Vehicle Entry Device – loss, damage or
misplacement of vehicle entry devices;
Diminished Value – the amount by which the resale
value of a damaged (or damage repaired)Rental Car has
been reduced for having a significant damage history;
Violation of Rental Car Agreement – operation of the
Rental Car in violation of the terms of the Rental Car
Agreement;
Intentional Acts – damage due to intentional acts, while
sane or insane;
Off-road operation – damage caused to the Rental Car
by use off of publicly maintained roads;
Speed Contests – damage caused to the Rental Car while
driving at a rate of speed that is a marked departure
from the lawful rate of speed;
Intoxication – any event which occurs while the Insured
Person is under the influence of illicit drugs or alcohol
(where the concentration of alcohol in the Insured
Person’s blood exceeds eighty (80) milligrams of alcohol
in one hundred (100) millilitres of blood) or when the
Insured Person illustrates a visible impairment due to
alcohol or illicit drugs);
Drugs or Poison – any voluntary taking of poison, toxic
substances or non-toxic substances or drugs, sedatives
or narcotics, whether illicit or prescribed, in such quantity
that they become toxic, or voluntary inhalation of a gas;
Disease – bodily or mental infirmity, Sickness, illness or
disease of any kind;
Medical Complications – medical or surgical treatment
or complications arising therefrom, except when required
as a direct result of an Accidental Bodily Injury;
Suicide – suicide, attempted suicide or self-inflicted
injury while sane or insane;
Illegal Trade – transporting contraband or illegal trade;
Criminal Offence committing or attempting to commit
a criminal offence or dishonest or fraudulent acts, or
committing or provoking an assault;
War or Insurrection – declared or undeclared war, or any
act of war, riot or insurrection; or service in the armed
forces of any country or international organization; or
hostilities, rebellion, revolution or usurped power;
Liability – other than for loss of, or damage to, the
Rental Car;
Expenses – assumed waived or paid by the commercial
car rental company or its insurers or payable under any
other insurance;
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Confiscation – confiscation by order of any government
or public authority;
Seizure or destruction – seizure or destruction under a
quarantine or customs regulation.
4.1.4.2. COLLISION DAMAGE WAIVER CDW
BENEFITS LIMITATIONS AND EXCLUSIONS
In addition to the General Car Rental Benefits Limitations
and Exclusions, these limitations and exclusions apply to
Collision Damage Waiver (CDW) Benefits:
1. There is no coverage for any vehicle with a
Manufacturer’s Suggested Retail Price (MSRP) in its
model year, over $65,000.
2. There is no coverage for additional rental fees
charged by the rental agency for a replacement
vehicle if required by You for the remainder of the
original rental period.
3. This coverage does not apply to Rental Cars when
Your rental period is more than forty-eight (48)
consecutive days, or Your rental period is extended
for more than forty-eight (48) days by renewing or
taking out a new rental agreement with the same
or another rental agency for the same vehicle or
other vehicles.
4. This coverage will not pay for the cost of any
insurance offered by or purchased through the car
rental company, even if such cost is mandatory or
included in the price of the vehicle rental.
5. Vehicles which belong to the following categories
are not covered:
• vans (except as defined below);
• trucks (including pick-ups) or any vehicle that can
be spontaneously reconfigured into a pick-up truck;
• campers or trailers;
• vehicles towing or propelling trailers or any
other object;
• off-road vehicles (Sport Utility Vehicles are
covered, provided they are not used as off-road
vehicles, are driven on maintained roads and do
not have an open cargo bed);
• motorcycles, mopeds or motorbikes;
• expensive or exotic vehicles;
• antique vehicles;
• recreational vehicles or vehicles not licensed for
road use; and
• leased vehicles, with buyback guarantee.
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Vans are covered provided that they:
1. are for private passenger use with seating for no more
than eight (8) occupants including the driver; and
2. do not exceed a “3/4 ton” rating; and
3. are not designed for recreational use (such as but
not limited to camping, operation on roads not
maintained by a federal, provincial, state or local
authority and is designed and manufactured for off
road use); and
4. are not to be used for hire by others.
Antique vehicles are ones which are over twenty (20)
years old or when their model has not been manufactured
for ten (10) years or more.
Limousines are not covered. However, standard
production models of these vehicles that are not used as
limousines are covered provided that they have an MSRP,
in their model year, of $65,000 or less.
4.1.4.3 CAR RENTAL PERSONAL EFFECTS BENEFITS
LIMITATIONS AND EXCLUSIONS
In addition to the General Car Rental Benefits Limitations
and Exclusions, these limitations and exclusions apply to
the Car Rental Personal Effects Benefits.
1. Personal Effects do not include money (whether
paper or coin), tickets, consumable or perishable
goods, bullion, bank notes, negotiable instruments
or other numismatic property.
2. Benefits are not paid if loss results from Mysterious
Disappearance.
3. Reasonable effort must have been made by the
Insured Person to protect their Personal Effects (e.g.
locking Your personal items in the trunk of the Rental
Car instead of the front or back seat). If claiming
as a result of theft, evidence of forcible entry into
the vehicle while all its doors, windows and other
openings are closed and locked must be submitted.
4. Personal Effects coverage is in excess of all other
applicable valid insurance, indemnity or protection
available to the Insured Person in respect of the item
subject to the claim. We will be liable only for the
excess of the amount of the loss or damage over
the amount covered under such other insurance,
indemnity or protection and for the amount of any
applicable deductible, only if all other insurance has
been exhausted and subject to the exclusions, terms
and limits of liability set out in this Certificate of
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Insurance. This coverage will not apply as contributing
insurance and this “non-contribution” shall supersede
despite any “non-contribution provision” in other
insurance indemnity or protection policies or contracts.
4.2 TRIP ASSISTANCE
4.2.1 TRIP ASSISTANCE SERVICES
Coverage Eligibility
You do not need to use Your Mastercard to be eligible for
the following services.
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Coverage Benefits
1. Emergency Cash Transfer When You are travelling
away from home, the Operations Centre will help
You to obtain an emergency cash transfer which
will be charged to Your Account (subject to credit
availability to a maximum of $5,000, cash advance
fees may apply) or payment for such costs will be
arranged, if reasonably possible, through family or
friends if it cannot be charged to Your Account.
2. Lost Documents and Ticket Replacements The
Operations Centre will help You replace lost or stolen
travel documents. The cost of obtaining replacement
documents will be charged to Your Account (subject
to credit availability) or payment for such costs will
be arranged, if reasonably possible, through family
or friends if they cannot be charged to Your Account.
3. Lost Luggage Assistance The Operations Centre will
help You locate or replace lost or stolen luggage and
Personal Effects. The cost of obtaining replacement
luggage and Personal Effects will be charged to Your
Account (subject to credit availability) or payment for
such costs will be arranged, if reasonably possible,
through family or friends if they cannot be charged
to Your Account.
4. Pre-Trip Information You can call the Operations
Centre to obtain information regarding passport and
visa regulations and vaccination and inoculation
requirements for the country to which You are
travelling.
4.2.2 LEGAL ASSISTANCE SERVICES
Coverage Eligibility
You do not need to use Your Mastercard to be eligible for
the following services.
17
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Coverage Benefits
If while traveling You require legal assistance, You can
call the Operations Centre for referral to a local legal
advisor and/or for assistance with arrangements for
the posting of bail and the payment of legal fees, to
a maximum of $5,000, which will be charged to Your
Account (subject to credit availability).
4.3 TRIP CANCELLATION, TRIP INTERRUPTION/
TRIP DELAY AND FLIGHT DELAY BENEFITS
4.3.1 TRIP CANCELLATION BENEFITS
PRIORTODEPARTURE
Coverage Eligibility
Coverage applies only when You charge the full cost, or
portion of the cost, of Your Trip to the Primary or Family
Cardholder’s Mastercard when booking Your Trip.
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Trip means a period during which You are travelling
outside of Your province or territory of residence and
for which the full cost, or a portion of the cost, of travel
arrangements has been charged to the Account and/
or obtained through the redemption of loyalty points
earned under the Mastercard reward program.
Coverage Period
Coverage begins at the time of purchase of Your prepaid
Trip and before any cancellation penalties have been
incurred. Coverage ends at the time of Your scheduled
departure or date of cancellation, whichever is earliest.
Should You have to cancel a Trip before Your scheduled
Departure Date, You must cancel Your Trip with the
travel agent and notify the Operations Centre within
forty-eight (48) hours of the event, which caused You to
cancel Your Trip.
Coverage Benefits
You will be reimbursed for the prepaid portion of Your
Trip charged to the Mastercard Account that is non-
refundable and non-transferable to another travel
date, up to $2,500 per Insured Person to an overall
maximum of $5,000 per Account. Coverage will include
any applicable fees associated with the reinstatement of
BMO’s loyalty program’s miles or points.
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Note: Prepaid travel arrangements purchased using a
method of payment other than the Primary or Family
Cardholder’s Mastercard and/or points earned under
the Mastercard reward program, are not eligible for
reimbursement under this insurance.
Failure to notify Your travel agent and the Operations
Centre within forty-eight (48) hours may reduce the
amount payable. Trip Cancellation benefits are payable
if You cancel a covered Trip when a covered event listed
below occurs during the Coverage Period.
1. The unexpected death, Sickness, Injury, or quarantine
of You, Your Immediate Family Member, Your Travel
Companion or Your Travel Companion’s Immediate
Family Member. Sickness and Injury must require the
care and attendance of a Physician and the Physician
must recommend in writing cancellation of the Trip.
2. The unexpected death, Sickness or Injury of a
caregiver with whom You have contracted to care
for a dependent in Your absence. Sickness and Injury
must require the care and attendance of a Physician
and the Physician must then recommend in writing
cancellation of the Trip.
3. Complications of Your, or Your Travel Companion’s,
pregnancy within the first twenty-eight (28) weeks
of pregnancy or complications following the normal
full term birth of a child.
4. Side effects and/or adverse reactions to vaccinations
required for Your Trip.
5. Hospitalization or death of the host at Your principal
destination.
6. Cancellation of a planned business meeting due to
death or hospitalization of the person with whom
the Insured Person is to meet, or cancellation of a
conference (for which the Insured Person has paid
registration fees) due to circumstances beyond the
control of the Insured Person or their employer.
Benefits are only payable to Insured Person(s) who
are attending the meeting. Proof of registration will
be required in the event of a claim.
7. You, or You Travel Companion, are selected for
juryduty or subpoenaed to appear as witness in
court whereby the date of the hearing conflicts
withthe Trip.
8. A disaster renders Your, or Your Travel Companion’s,
principal residence uninhabitable or Your or Your
Travel Companion’s place of business unusable.
9. A transfer by Your employer necessitates a change of
Your permanent residence.
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10. A call to service of the Insured Person(s) by the
Canadian Government with respect to reservists,
military, police or fire personnel.
11. Refusal of Your, or Your Travel Companion’s, visa
application for the destination country provided that
documentation shows You are eligible to apply, that
refusal is not due to late application, and that the
application is not a subsequent attempt for a visa
that had been previously refused.
12. Involuntary loss of Your principal employment
provided a letter of termination or official notice
of layoff is produced, and provided You had no
knowledge of this loss at the time of Trip payment.
13. A Travel Advisory against non-essential travel
is issued by the Canadian Government for Your
ticketed destination after You book Your Trip.
14. Default whereby a contracted travel supplier stops
all service completely as a result of bankruptcy or
insolvency.
15. As a result of the delay of a connecting vehicle,
You miss the scheduled departure as ticketed
due to: inclement weather; mechanical failure or
accident of a Common Carrier; a traffic accident;
or an emergency police-directed road closure.
Such delay due to traffic accident or emergency
police-directed road closure must be substantiated
by an official police report. All such misconnections
are subject to the connecting vehicle arriving at
the point of departure not less than two (2) hours
prior to schedule departure time. In the event of a
misconnection this Insurance covers the entire Trip,
up to the coverage limits, as originally ticketed or
the cost of a one-way economy fare, via the most
cost-effective route, to catch up to the tour or to
continue Your Trip as originally booked.
16. Weather conditions delay Your connecting scheduled
carrier for 30% or more of the total duration of the
Trip and You elect not to continue with the Trip.
Please note:
1. You are not covered for circumstances which You
were aware of at time of purchasing Your Trip.
2. Should You have to cancel a Trip before Your
scheduled Departure Date, You must cancel
Your Trip with the travel provider and notify the
Operations Centre within forty-eight (48) hours of
the event that caused You to cancel Your Trip.
Please see section 4.3.4 for applicable limitations and
exclusions.
20
4.3.2 TRIP INTERRUPTION/TRIP DELAY BENEFITS
POST DEPARTURE
Coverage Eligibility
Coverage applies only when You charge the full cost, or
portion of the cost, of Your Trip to the Primary or Family
Cardholder’s Mastercard prior to departure.
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Trip means a period during which You are travelling
outside of Your province or territory of residence and
for which the full cost, or a portion of the cost, of
travel arrangements has been charged to the Account
and/or obtained through the redemption of loyalty
points earned under the Mastercard reward program.
Coverage Period
Coverage begins at the time of Your departure on Your
Trip. Coverage ends at the time of Your return to Your
original point of departure.
Should You have to delay Your scheduled return date,
You must notify the Operations Centre within forty-eight
(48) hours of the event forcing Your delay, to enable the
Operations Centre to assist You in making alternative
travel arrangements. Failure to notify the Operations
Centre within forty-eight (48) hours may reduce the
amount payable.
Coverage Benefits
Trip Interruption or Trip Delay benefits are payable
when a covered event listed below occurs before Your
scheduled return date:
1. The unexpected death, Sickness, Injury or
quarantine of You, Your Immediate Family Member,
Your Travel Companion or Your Travel Companion’s
Immediate Family Member. Sickness and Injury
must require the care and attendance of a Physician
and the Physician recommend in writing that You
interrupt or delay Your Trip.
2. The unexpected death, Sickness or Injury of a
caregiver with whom You have contracted to care
for a dependent in Your absence. Sickness and
Injury must require the care and attendance of a
Physician and the Physician recommend in writing
that You interrupt or delay Your Trip.
3. Complications of Your or Your Travel Companion’s
pregnancy within the first twenty-eight (28) weeks
of pregnancy or complications following the normal
full term birth of a child.
21
4. Side effects and/or adverse reactions to
vaccinations required for Your Trip.
5. Hospitalization or death of the host at Your principal
destination.
6. Cancellation of a planned business meeting due to
death or hospitalization of the person with whom
the Insured Person is to meet, or cancellation of a
conference (for which the Insured Person has paid
registration fees) due to circumstances beyond the
control of the Insured Person or their employer.
Benefits are only payable to Insured Person(s) who
are attending the meeting. Proof of registration will
be required in the event of a claim.
7. You or Your Travel Companion are selected for jury
duty or subpoenaed to appear as witness in court
whereby the date of the hearing conflicts with
theTrip.
8. A call to service of the Insured Person(s) by the
Canadian Government with respect to reservists,
military, police or fire personnel.
9. A disaster renders Your, or Your Travel Companion’s,
principal residence uninhabitable or Your, or Your
Travel Companion’s, place of business unusable.
10. Weather conditions delay Your connecting scheduled
carrier for 30% or more of the total duration of the
Trip and You elect not to continue with the Trip.
11. Hijacking of Your Common Carrier while en route to
Your scheduled destination point.
12. A Travel Advisory against non-essential travel
is issued by the Canadian Government for Your
ticketed destination after You depart on Your Trip.
If for one of the reasons listed above You must interrupt
an insured Trip already commenced or if You must delay
Your return beyond the scheduled return date, Your
expenses will be reimbursed as follows:
If You charged the full prepaid travel arrangements
to the Mastercard Account, Your expenses will be
reimbursed up to $2,000 per Insured Person, for:
a) the extra cost to change Your Ticket to a one-way
economy fare, via the most cost-effective route,
by regular scheduled transportation back to Your
departure point or the next destination on Your Trip; or
b) if Your existing Ticket cannot be changed, the cost
of a one-way economy fare by regular scheduled
transportation to Your departure point or the next
destination on Your Trip; and
c) the non-refundable portion of any unused prepaid travel
arrangements if Your insured Trip is interrupted; and
22
d) if Your Travel Companion’s Trip is interrupted for any
of the reasons stated under the Trip Interruption/Trip
Delay benefits, You will be reimbursed for the cost
incurred to adjust Your prepaid accommodations to a
single supplement; and
e) If for one of the reasons listed above You must delay
the return portion of an insured Trip, We will also pay
the necessary and reasonable costs of commercial
accommodation and meals up to $150 a day, per
Insured Person on the Trip, when the return portion of
an insured Trip is delayed beyond the date scheduled,
as the result of a medical emergency.
If You charged a portion of the prepaid travel
arrangements to the Mastercard Account, reimbursement
for benefits a), b) and e) will be reimbursed as indicated
above. Benefits c) and d) will be limited to the lesser of,
the amount charged on the Mastercard Account or $2,000
per Insured Person.
Note: Prepaid travel arrangements purchased using a
method of payment other than the Primary or Family
Cardholder’s Mastercard and/or the redemption of points
earned under the Mastercard reward program are not
eligible for reimbursement.
Expenses will be reimbursed when You provide, at Our
request, any of the following when applicable:
• a statement completed by the attending Physician
in attendance where the Sickness or Injury occurred,
stating the diagnosis and the complete reason for the
necessity of Your Trip delay (if applicable);
• documentary evidence of the emergency situation
which caused the delay;
• any Tickets or receipts for any extra transportation
costs incurred.
Please note: You are not covered for circumstances
which You were aware of at time of purchasing Your Trip.
Please see section
4.3.4 for applicable limitations and
exclusions.
4.3.3 FLIGHT DELAY BENEFITS
Coverage Eligibility
Coverage applies only when You charge the full cost, or
portion of the cost, of Your Trip to the Primary or Family
Cardholder’s Mastercard prior to departure.
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Trip means a period during which You are travelling
outside of Your province or territory of residence and
23
for which the full cost, or a portion of the cost, of Your
Ticket has been charged to the Account and/or obtained
through the redemption of loyalty points earned under
the Mastercard reward program.
Coverage Period
Coverage begins at the time of Your departure on Your
Trip. Coverage ends at the time of Your return to Your
original point of departure.
Coverage Benefits
Flight Delay Benefits are payable in the event of a delay
of more than six (6) hours in the arrival or departure
of Your regularly scheduled airline flight. You will be
reimbursed up to a maximum of $500, per Account per
Trip, for reasonable, additional accommodation and
traveling expenses. Expenses must be incurred by You
as a result of the delay. You will be required to submit
original, itemized receipts for any expense that You incur
in this regard. Prepaid expenses are not covered.
Please see section
4.3.4 for applicable limitations
andexclusions.
4.3.4 TRIP CANCELLATION, TRIP INTERRUPTION/
TRIP DELAY AND FLIGHT DELAY BENEFITS
LIMITATIONS AND EXCLUSIONS
You are not covered for circumstances which You were
aware of at time of purchasing Your Trip.
The insurance does not cover, provide services for or pay
claims resulting from:
1. Pre-existing conditions applicable to Insured
Persons up to and including age 64:
This insurance will not pay for expenses incurred
during the Coverage Period related to:
• the continuing Treatment, Recurrence, or medically
recognized complication relating directly or indirectly
to a Medical Condition, for which You consulted,
investigated, were diagnosed or for which Treatment
was taken by You during the six(6) month period
immediately before Your Coverage Period began;
• the Treatment of, or relating to, a Medical Condition
for which a person exhibited any symptom during
the six (6) month period immediately before Your
Coverage Period began for which a reasonable
person would have made inquiries regarding their
Medical Condition, regardless of whether or not
such inquiries were made.
Please note: This exclusion does not apply to a
Medical Condition controlled by the consistent use
24
of medication(s) taken as prescribed by a Physician
provided that during the six (6) month period
before Your Coverage Period began and there has
been no change in any medication(s) and no other
Treatment has been taken or recommended. A new
medication or an alteration in usage or dosage of a
medication constitutes a change in medication. This
exclusion does not apply to the Flight Delay Benefit.
2. Pre-existing conditions applicable to Insured
Persons age 65 and older:
This insurance will not pay for expenses incurred
during the Coverage Period related to:
• the continuing Treatment, Recurrence, or
medically recognized complication relating
directly or indirectly to a Medical Condition,
for which You consulted, investigated, were
diagnosed or for which Treatment was taken
by You during the twelve (12) month period
immediately before Your Coverage Period began;
• the Treatment of, or relating to, a Medical Condition
for which a person exhibited any symptom
during the twelve (12) month period immediately
before Your Coverage Period began for which a
reasonable person would have made inquiries
regarding their Medical Condition, regardless of
whether or not such inquiries were made.
Please note: This exclusion does not apply to a
Medical Condition controlled by the consistent use
of medication(s) taken as prescribed by a Physician
provided that during the twelve (12) month period
before Your Coverage Period began and there has
been no change in any medication(s) and no other
Treatment has been taken or recommended. A new
medication or an alteration in usage or dosage of a
medication constitutes a change in medication. This
exclusion does not apply to the Flight Delay Benefit.
3. Pregnancy, miscarriage, childbirth or complications
of any of these conditions occurring within nine (9)
weeks of the expected date of birth.
4. Riot or civil disorder; committing or attempting to
commit a criminal offence.
5. Intentional self-injury, suicide or attempted suicide
while sane or insane.
6. Abuse of any medication or non-compliance with
prescribed medical treatment or therapy.
7. Mental, nervous or emotional disorders that do not
require immediate hospitalization.
25
8. Any Injury or accident occurring while the Insured
Person is under the influence of illicit drugs or alcohol
(where the concentration of alcohol in the Insured
Person’s blood exceeds eighty (80) milligrams of
alcohol in one hundred (100) millilitres of blood or when
the Insured Person illustrates a visible impairment
due to alcohol or illicit drugs) and any chronic illness
or hospitalization related to, or exacerbated by, the
habitual use of alcohol or illicit drugs.
9. The Insured Person voluntarily and knowingly
exposing himself/herself to risk from: an act of
war whether declared or undeclared; rebellion;
revolution; hijacking or Terrorism; and any service in
the armed forces.
10. Participation in professional sports; any speed
contest; SCUBA diving, unless the Insured Person
holds a basic SCUBA designation from a certified
school or other licensing body; hang-gliding; sky
diving; parachuting; bungee jumping; parasailing;
spelunking; mountaineering; rock climbing or
a flight accident, except as a passenger in a
commercially licensed airline.
11. Any Trip commenced or continued against the
advice of the Insured Person’s Physician.
12. Failure of any travel supplier through which You
contract for services if this supplier shall be, at
the time of booking, in bankruptcy, insolvency
or receivership; or in the case of U.S. Air Carriers,
under Chapter 11 in the U.S. Bankruptcy Code. No
protection is provided for failure of travel agent,
agency or broker.
13. Non-presentation of required travel documents, i.e.,
visa, passport, inoculation/vaccination reports.
14. The death or serious and/or terminal illness of a
person when the purpose of the Trip is to provide
support and physical care for that person.
4.4 BAGGAGE AND PERSONAL EFFECTS BENEFITS
4.4.1 COVERAGE PERIOD AND BENEFITS
Coverage Eligibility
Coverage applies only when You charge the full cost, or
portion of the cost, of Your Trip to the Primary or Family
Cardholder’s Mastercard prior to departure.
Insured Person means the Primary Cardholder, Spouse
and/or Dependent Child(ren).
Trip means a period during which You are travelling
outside of Your province or territory of residence and
26
for which the full cost, or a portion of the cost, of Your
Ticket has been charged to the Account and/or obtained
through the redemption of loyalty points earned under
the Mastercard reward program.
Coverage Period
Coverage begins at the time of Your departure on Your
Trip. Coverage ends at the time of Your return to Your
original point of departure.
Coverage Benefits
This Baggage and Personal Effects insurance covers the
Actual Cash Value of Baggage and Personal Effects up to
$750 per Insured Person up to a maximum of $2,000 per
Account per Trip for:
1. Loss or damage of Baggage and/or Personal Effects
worn or used by You when accompanying You during
the Trip. Coverage is limited to $500 per item.
2. Theft, burglary, fire or transportation hazards to
Baggage and/or Personal Effects worn or used by You
during the Trip. Coverage is limited to $500 per item.
3. Loss or damage to camera equipment during the
Trip. Camera equipment is collectively considered
one item. Coverage is limited to $500 per item.
4. Loss or damage to jewelry during the Trip. Jewelry
is collectively considered one item. Coverage is
limited to $500 per item.
5. Up to $200 will be reimbursed for the purchase of
Essential Items as a result of Your checked Baggage
being delayed by the Common Carrier for twelve
(12) hours or more, during the Trip en route to Your
destination and before returning to Your original point
of departure. Proof of delay of checked Baggage from
the Common Carrier along with receipts of purchases
must accompany Your claim. Purchases must be made
within thirty-six (36) hours of Your arrival at Your
destination. The costs of items purchased under this
benefit will reduce the maximum amount payable
under the Baggage and Personal Effects benefit, if it
is later determined that Your personal Baggage has
been lost, stolen or damaged.
Additional Conditions specific to Baggage and
Personal Effects Insurance
1. In the event of loss of an article which is part
of a pair or set, the measure of loss shall be at
a reasonable and fair proportion of the total
value of the pair or set, giving consideration
to the importance of such article and with the
understanding that such loss shall not be construed
to mean total loss of the pair or set.
27
2. We shall not be liable beyond the Actual Cash Value
of the property at the time any loss occurs. We
reserve the right to repair or replace any damaged
or lost property with other of like quality and value,
and to require submission of property for appraisal
of damage.
4.4.2 BAGGAGE AND PERSONAL EFFECTS BENEFITS
LIMITATIONS AND EXCLUSIONS
This insurance does not cover, provide services for or pay
claims resulting from:
1. Loss caused by normal wear and tear, gradual
deterioration, moths, or vermin.
2. Animals; automobiles (including equipment and
contents), trailers, motorcycles, bicycles, boats,
motors, other conveyances or their accessories;
souvenirs; fragile or collectible items; consumable
or perishable goods; household effects and
furnishings; contact lenses, prescription glasses,
non-prescription sunglasses; artificial teeth and
prostheses, medical equipment and appliances;
money, securities; tickets, documents; any property
pertaining to a business, profession or occupation,
personal computers; software; or cellular phones.
3. Loss or damage to jewelry, gems, watches and
furs or garments trimmed with fur and camera
equipment while in the custody of an airline or
Common Carrier.
4. Loss of covered and non-covered items sustained
due to any process or while being worked upon;
radiation; confiscation by any government
authority; war (declared or undeclared); or
contraband or illegal transportation or trade.
5. Loss incurred while You are performing a negligent
act(s) or criminal act(s).
6. Items specifically or otherwise insured.
4.5 COMMON CARRIER  COVERAGE PERIOD AND
DESCRIPTION OF BENEFITS
4.5.1 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS
Coverage Eligibility
This travel insurance plan is provided to BMO Mastercard
cardholders automatically when the entire cost of the
Passenger Fare(s) is charged to Your Mastercard Account
while the insurance is effective. Passenger Fare(s) obtained
28
through the redemption of loyalty points earned under the
Mastercard reward program are also covered providing that
all applicable taxes and/or fees have been charged to the
Primary or Family Cardholder’s Account or paid through the
redemption of loyalty points earned under the Mastercard
reward program. It is not necessary for You to notify the
administrator or Us when Tickets are purchased.
Insured Person
As a BMO Mastercard cardholder, You, Your Spouse and
Your Dependent Child(ren) will be automatically insured
against accidental loss of life, limb, sight, speech or
hearing while riding as a passenger in, entering or
exiting any licensed Common Carrier, provided the
Passenger Fare is charged to Your Mastercard Account. If
the Passenger Fare has been charged to Your Mastercard
Account prior to departure for the airport, terminal or
station, coverage is also provided for Common Carrier
travel (including taxi, bus, train or airport limousine,
but not including courtesy transportation provided
without a specific charge) a) immediately preceding
Your departure, directly to the airport, terminal or
station b) while at the airport, terminal or station, and
c) immediately following Your arrival at the airport,
terminal or station of Your destination. If the Passenger
Fare has not been charged to Your Account prior to Your
arrival at the airport, terminal or station, coverage begins
at the time the entire cost of the travel Passenger Fare is
charged to Your Mastercard Account.
Coverage Benefits
The full Benefit Amount is payable for accidental loss
of life, two(2) or more members, sight of both eyes,
speech and hearing or any combination thereof. One half
of the Benefit Amount is payable for accidental loss of:
one(1) member, sight of one(1) eye, speech or hearing.
“Member” means hand or foot. One quarter of the
Benefit Amount is payable for the accidental loss of the
thumb and index finger of the same hand. The loss must
occur within one(1) year of the accident. We will pay the
single largest applicable Benefit Amount. In no event will
duplicate request forms or multiple charge cards obligate
Us in excess of the stated Benefit Amounts for any one
loss sustained by any one individual insured as the result
of any one accident.
The limit of coverage for an Insured Person whose
coverage has become effective shall be:
CAD Dollar Mastercard – $500,000 CAD
AccidentalDeath Insurance
U.S. Dollar Mastercard – $100,000 CAD Accidental Death
Insurance
29
In the event of multiple accidental deaths per credit
card Account arising from any one accident, Our liability
for all such losses will be limited to a maximum limit of
insurance equal to three times the applicable Benefit
Amount for loss of life. Benefits will be proportionately
divided among the Insured Persons up to the maximum
limit of insurance.
Beneficiary
The Loss of Life benefit will be paid to the beneficiary
designated by the Insured Person. If no such designation
has been made, that benefit will be paid to the first
surviving beneficiary in the following order:
a) the Insured Person’s Spouse,
b) the Insured Person’s children,
c) the Insured Person’s parents,
d) the Insured Person’s brothers and sisters,
e) the Insured Person’s estate.
All other indemnities will be paid to the Insured Person.
If you wish to designate a specific beneficiary, please
contact 1-800-337-2632.
4.5.2 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT LIMITATIONS AND EXCLUSIONS
This insurance does not cover loss resulting from:
1. an Insured Person’s emotional trauma, mental or
physical illness, disease, pregnancy, childbirth or
miscarriage, bacterial or viral infection (except
bacterial infection caused by an accident or
from accidental consumption of a substance
contaminated by bacteria), or bodily malfunctions;
2. suicide, attempted suicide or intentionally self
inflicted injuries; and
3. declared or undeclared war, but war does not
include acts of Terrorism.
This insurance also does not apply to an accident
occurring while an Insured Person is in, entering, or
exiting any aircraft while acting or training as a pilot or
crew member, but passengers who temporarily perform
pilot or crew functions in a life threatening emergency
are covered.
The following applies only if you reside outside of
Quebec:
This description of coverage is not a contract of insurance
but is simply an informative statement of the principal
provisions of the insurance while in effect. Complete
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provisions pertaining to this insurance are contained in the
Policy on file with BMO. If a statement in this description
of coverage and any provision in the Policy differ, the
Policy will govern. Any terms of the Policy which are in
conflict with the applicable statutes, laws or regulations of
the province or territory in which the Policy is issued are
amended to conform with such statutes.
5 Conditions
1. Due Diligence: The Primary Cardholder and any
Insured Person shall use diligence and do all things
reasonable to avoid or diminish any loss of or
damage to property protected by this insurance.
2. Misrepresentation: If a Primary Cardholder or
Insured Person makes any claim knowing it to be
false or fraudulent in any respect, coverage under
this Certificate of Insurance shall cease and there
shall be no payment of any claim made under this
Certificate of Insurance.
3. Subrogation: In the event of a payment under
this Certificate of Insurance, We have the right to
proceed in the name of any Insured Person against
third parties who may be responsible for giving rise
to a claim under this insurance. We have full rights
of subrogation. The Insured Person will execute
and deliver such documents, and fully cooperate
with Us, so as to allow Us to fully assert Our right
to subrogation. The Insured Person will not do
anything after the loss to prejudice such rights.
4. You must repay to Us amounts paid or authorized
for payment on Your behalf if We later determine
the amount is not payable under this insurance.
5. Cooperation: You agree to cooperate fully with
Us, and as a condition precedent to the payment
of benefits, the Operations Centre reserves the
right to obtain all pertinent records or information
from any Physician, dentist, practitioner, hospital,
clinic, insurer, individual or institution to assess the
validity of a claim submitted by or on behalf of any
Insured Person. Failure to provide the requested
documentation to substantiate Your claim under this
Certificate of Insurance will invalidate Your claim.
6. Physical Examination: The Operations Centre has
the right to investigate the circumstances of loss
and to require a medical examination; and in the
event of death to require an autopsy, at the cost of
the Insurer, if not prohibited by law.
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6 General provisions
1. Currency: All amounts stated in the Certificate
of Insurance are in Canadian currency unless
otherwise indicated. If You have paid a covered
expense, You will be reimbursed in Canadian
currency at the prevailing rate of exchange on the
date the service was provided.
2. Payment of Benefits: Benefits payable under this
Certificate of Insurance will be paid within sixty
(60) days of receipt of satisfactory proof of loss.
Payment made in good faith will discharge Us to
the extent of this claim.
3. Limitation of Action: 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 (for actions or proceedings governed by the laws
of Alberta and British Columbia), The Insurance Act
(for actions or proceedings governed by the laws of
Manitoba), the Limitations Act, 2002 (for actions or
proceedings governed by the laws of Ontario), The
Limitations Act (for actions or proceedings governed
by the laws of Saskatchewan) or other applicable
legislation. For those actions or proceedings governed
by the laws of Quebec, the prescriptive period is set
out in the Quebec Civil Code.
4. You, Your heirs and assigns consent to the venue of
any action or arbitration being only in the province
or territory where the Certificate of Insurance was
issued and at a venue We and/or Allianz Global
Assistance choose.
5. Waiver: Notwithstanding anything to the contrary,
no provision of this Certificate of Insurance shall be
deemed to have been waived, either in whole or in
part, unless the waiver is clearly stated in writing
and signed by Us.
6. Governing Law: The benefits, terms and conditions
of this Certificate of Insurance shall be governed by
the insurance laws of the province or territory in
Canada where the Insured Person normally resides.
7. Conflict with Laws: Any provision of this Certificate
of Insurance, which is in conflict with any federal,
provincial or territorial law of the Insured Person’s
place of residence, is hereby amended to conform
to the minimum requirements of that law.
8. Salvage: The insurer has the right to request
salvage in respect of any loss in respect of which
a claim is made under coverage provided by the
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insurer hereunder. If salvage is requested, it must
be remitted to the insurer at the Insured Person’s
expense. Failure to remit requested salvage may
result in denial of the claim.
7 Notice of claim and filing aclaim
7.1 NOTICE OF CLAIM
You, or someone acting on Your behalf, must give written
notice of a claim to the Operations Centre not later than
thirty (30) days from the date the claim arises. The
Operations Centre must be provided by You or someone
acting on Your behalf with satisfactory proof of loss no
later than ninety (90) days from the date the claim arises.
Satisfactory proof of loss means satisfactory to Us of:
• the Departure Date
• the occurrence of the Injury or the commencement
ofthe Sickness;
• the cause or nature of the Injury or Sickness;
• the loss, expense or service for which benefits are
being claimed (original itemized receipts);
• the Primary Cardholder’s age;
• the claimant’s age; and
• the right of the claimant to receive payment.
Satisfactory proof of loss specific to Car Rental Benefits:
• the occurrence of the Accidental Bodily Injury, the
theft of or damage to the Rental Car, or the death of
You or Your Immediate Family Member;
• the cause or nature of the event resulting in the
Accidental Bodily Injury, the theft of or damage to
the Rental Car, or the death of You or Your Immediate
Family Member;
• the loss, expense or service for which benefits are
being claimed (original itemized receipts);
• the right of the claimant to receive payment.
Failure to give notice of claim or furnish proof of loss
within the time prescribed does not invalidate the claim
if it is shown that it was not reasonably possible to give
notice or furnish proof within the time so prescribed and
if the notice or proof is given or furnished as soon as
reasonably possible, and in no event later than one(1)
year from the date of the event for which benefits
are being claimed. Failure to provide the requested
documentation to substantiate Your claim under this
Certificate of Insurance will invalidate Your claim.
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7.2 FILING A CLAIM
Please contact Us at 1-877-704-0341 or 1-519-741-0782
or visit www.allianzassistanceclaims.ca to obtain a
claim form.
This insurance will not pay for any interest.
As a condition to the payment of benefits under this
insurance, We will need certain information from You if
You need to file a claim. This documentation will include,
at a minimum and is not limited to, the following:
1. General Documentation
• Receipts and itemized bills for all expenses.
• Original of any refunds or expense allowances
received from Your tour operator, travel agency,
Common Carrier or other entity.
2. Collision Damage Waiver (CDW) Benefits
• A copy of the original police report when the
resulting loss from damage of theft was over $500.
• The original front and back pages of the opened
and closed-out Original Rental Car Agreement.
• An itemized statement of repairs for the rental
vehicle (unless Our representative has seen thecar).
3. Car Rental Accidental Death & Dismemberment
Benefits
• Certified death certificate.
• Medical records pertaining to the accident.
• Police report or any other accident reports filed.
4. Car Rental Personal Effects Benefits
• Original police report or other report to local
authorities.
• An itemization and description of the stolen or
damaged items and their estimated value.
• A copy of the receipts, credit card statements,
or cancelled cheques for the personal property
stolen or damaged.
• Estimate of repairs, if applicable.
• Photo of the damaged item, if applicable.
• Declaration page from any other applicable
insurance or a notarized statement that an
Insured Person has no other insurance.
• Original Rental Car Agreement.
• A copy of an Insured Person’s monthly billing
statement reflecting the charge for the Rental Car.
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5. Trip Cancellation, Trip Interruption/Trip Delay
Benefits
• Any appropriate documentation that officially
explains the cause of Your Trip cancellation, delay
or interruption.
• The report of Your physical examination (if
applicable), and any explanation of diagnosis
along with original itemized bills, receipts, and
proof of other insurance payments.
• Certified death certificate in the event of a death.
• Original unused Tickets, copies of invoices,
proof of payments, and other documents that
substantiate the cost or occurrence of the Trip
cancellation, delay or interruption.
• Documentation of refunds received from the
travel supplier(s) and/or Common Carrier(s).
• Copy of the supplier’s literature that describes
penalties.
• A letter of the tour operator or an itemized bill
from the travel agent stating the non-refundable
amounts of the Trip costs.
6. Flight Delay Benefits
• Original police, Common Carrier or other report
that verifies the cause and duration of the delay.
• Original, itemized receipts.
7. Baggage and Personal Effects Benefits
• Original claim determination from the Common
Carrier, if applicable.
• Original police report or other report of local
authorities.
• Original receipts and list of stolen, lost or
damaged items.
• Statement of loss providing amount of loss, date,
time and cause of loss.
8. Common Carrier Accidental Death and
Dismemberment Benefits
• A copy of the invoice showing Your Mastercard
Account and/or loyalty points earned under the
Mastercard reward program as the method of
payment.
• Certified death certificate.
• Medical records pertaining to the accident.
• Police report or any other accident reports filed.
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8 Protecting your personal
information
Protecting Your personal information is a top priority. This
Privacy Notice explains how and what types of personal
data will be collected, why it is collected and to whom it
is shared or disclosed.
PLEASE READ THIS NOTICE CAREFULLY.
Allianz Global Risks US Insurance Company (Canadian
Branch) (the “insurer”) and the insurer’s insurance
administrator, Allianz Global Assistance, and the group
policyholder, and the insurer’s agents, representatives and
reinsurers (for the purpose of this Privacy Notice collectively
“We” “Us” and “Our”) require Your personal information.
Personal Information We collect
We will collect Your personal information including but
not limited to:
• Surname, First name
• Address
• Date of Birth
• Telephone numbers
• Email addresses
• Credit/debit card and bank account information
• Sensitive personal information such as: Medical
information relating to Your health status, excluding
genetic test results.
How will we obtain and use your personal
information?
This personal information is collected for the following
insurance purposes when offering and providing
insurance and related services:
• To identify and communicate with You
• To consider any application for insurance
• If approved, to issue a Policy or Certificate of Insurance
• To administer insurance and related benefits
• To evaluate insurance risk, manage and coordinate
claims, re-price medical expenses and negotiate
payment of claims expenses
• To adjudicate claims and to determine eligibility for
insurance benefits
• To provide assistance services
• For fraud prevention and debt collection purposes
• As required or permitted by law.
36
We reserve our right to collect personal information,
necessary for insurance purposes, from the following
individuals:
• Individuals who apply for insurance products
• Certificate holder and/or Policyholders
• Insureds and/or Claimants
• Family Members, spouses, or as a last resort friends or
travelling companions of a Certificate or Policyholder,
Insured or Claimant, in cases where the proper
individual is unable, for medical or other reasons, to
communicate directly with Us.
Who will have access to Your personal information?
We disclose information for insurance purposes, to and
with, third parties such as, but not necessarily limited
to, health care practitioners and facilities in Canada and
abroad, government and private health insurers and
family members and friends/travelling companions of
the Certificate holder or Policyholder, Insured or Claimant
and agencies. We may also use and disclose information
from Our existing files for insurance purposes. Our
employees who require this information for the purposes
of their duties will have access to this file. Upon Your
request and authorization, We may also disclose this
information to other persons. From time to time, and if
permitted by applicable law, We may also collect, use or
disclose personal information in order to offer additional
or upgraded products and services (the “optional
purposes”). In some instances We may additionally
maintain or communicate or transfer information to
health care and other service providers located outside
of Canada. As a result, personal information may be
accessible to regulatory authorities in accordance with
the law of these other jurisdictions.
What are Your rights in respect of Your personal data?
When permitted by applicable law and regulations You
have the right to:
• Access Your personal data held about You
• Withdraw consent at any time where Your personal
data is processed
• Update or correct Your personal information so that it
is always accurate
• Delete Your personal information from our records, if it
is no longer needed for the purposes indicated above
• File a complaint with Us and/or relevant data
protection authority.
37
• You may exercise these rights by contacting the
Privacy Officer at privacy@allianz-assistance.ca.
How long do We keep Your personal data?
We will retain the personal information We collect
for a specified period of time and in a storage
method appropriate with legal and Our internal
corporate requirements. Personal information will be
securely destroyed following the expiration of the
appropriate retention period. Individuals have a right
to request toaccess or correct personal information
We have on fileby contacting the Privacy Officer at 
privacy@allianz-assistance.ca or by writing to:
Privacy Officer
Allianz Global Assistance
700 Jamieson Parkway
Cambridge, ON N3C 4N6
Canada
How can You contact Us?
For information about how to obtain access to written
information about Our policies and procedures with respect
to service providers outside of Canada, please contact
the Privacy Officer at
privacy@allianz-assistance.ca.
For a complete copy of Our Privacy Policy please visit
www.allianz-assistance.ca.
CONTACT INFORMATION
Allianz Global Assistance
Please contact Allianz Global Assistance with any
questions or claims. Toll-free: 1-877-704-0341
(InCanada& U.S.)
How often do We update this privacy notice?
We regularly review this Privacy Notice. We will ensure
the most recent version is available on Our website,
www.allianz-assistance.ca.
Before You Travel
It is important that You understand what is and isn’t
covered under your coverage.
Read Your Certificate of Insurance carefully for complete
coverage details.
38
®
Registered trademark of Bank of Montreal.
®
*
Registered trademarks of Mastercard International Incorporated.
5144490 (10/21-0910)
Before You Travel
It is important that You understand what
is and isn’t covered under your coverage
Read Your Certificate of Insurance
carefully for complete coverage details
We’re available 24/7 to answer your
questions. Call 1-877-704-0341 or
collect
1-519-741-0782
For clients who are deaf or hard of
hearing, BMO supports calls (24/7)
from third party relay service providers
trained to relay communications
through message relays (MRS) or video
relays (VRS).