Travel Insurance Direct - Glossary of Terms

GLOSSARY OF TERMS

Browsers	Not an insurance term, but the type of software tools used to access the Internet.
Certificate	The document you receive upon paying the insurance premium. Also called the "Vacation Insurance Passport", this document contains the salient terms and provisions of the insurance coverage provided.
Death	In connection with Cancellation Insurance, the term means death resulting from "Injury" or "Sickness" as defined herein. Wherever used in connection with Accidental Death/Dismemberment, the term means death resulting from "Injury".
Economy Flight Fare	The lowest one-way single seat fare of any ATC or IATA Air Carrier.
Eligible Person	A permanent resident of Canada or the United States under 76 years of age.
Hospital	A duly licensed hospital with facilities to accommodate inpatient care with a registered nurse on a full-time duty basis, a laboratory, and an operating room where surgical operations are performed by a qualified surgeon. Not included are convalescent homes, rest homes, nursing homes, homes for the aged, drug & alcohol treatment centers, health spas or clinics.
Host at Destination	The person with whom you are sharing pre-arranged overnight accommodation in his/her principal place of residence.
Immediate Family Member	The legal or common-law spouse, son or daughter (adopted, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent, or grandchild who are residents of Canada or the USA.
Injury	Bodily injury caused by an accident occurring while the policy is in force, resulting directly and independently of all other causes in loss covered by this policy.
Insured	A person who is eligible for the insurance applied for and who has paid the full premium required in advance.
Insurance Passport	The document you receive upon paying the insurance premium. Also called the "Insurance Certificate", this document contains the main terms and provisions of the insurance coverage.
Loss	Loss, in connection with Cancellation Insurance, means the amount of money paid to or due Winter Sport Vacations for transportation, lodging, lift tickets, green fees, etc.
Physician	Any person, other than the insured or any member of his or her immediate family (see "Family Members" in this glossary), who is a practitioner of the healing arts whose legal and professional standing within his jurisdiction is equivalent to a doctor of medicine (M.D.) duly licensed to practice in any province of Canada or state of the U.S.A.
Pre-existing Condition	An injury or sickness existing prior to the effective date of the applicable insurance coverage.
Sickness	Sickness or disease contracted and commencing while the policy is in force.
Traveling Companion	The person(s) named on the Winter Sport Vacations invoice with whom the Insured is sharing travel arrangements during the entire insured trip, up to 4 persons including the Insured.
You and Your	The insured person.

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