CANCELLATION & INTERRUPTION - RBC Insurance

s) Ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels; or, theradioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it.t) Any expenses resulting from orbital space flights, sub-orbital space flights and space tourism.2 Pre-Existing Medical Condition Exclusions:When reading the Pre-existing Medical Condition exclusions, please review the definition of stable.This exclusion applies to you, your spouse, your children whether or not they are travelling with you. It also applies to your parents and your siblingswho live in the same home, whether or not they are travelling with you.We will not pay for any expenses incurred directly or indirectly as a result of:i) Your/their medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 90 days beforeyour effective date, the medical condition or related condition has not been stable.ii)Any heart condition (whether or not the diagnosis has been determined),if at any time in the 90 days before your effective date:a) Your/their heart condition has not been stable; orb) You/they have taken nitroglycerin more than once per week specifically for the relief of angina pain.iii) Any lung condition (whether or not the diagnosis has been determined),if at any time in the 90 days before your effective date:a) Your/their lung condition has not been stable; orb) You/they have been treated with or prescribed home oxygen (on a regular or on an as needed basis) or treated with or prescribed oralsteroids (prednisone or prednisolone) for any lung condition.3 If you have correctly answered the questions in the medical questionnaire, and as a result of your answers to the medical questionnaire it isdetermined that this additional exclusion applies to you:Regardless of whether a medical condition has been stable or has not been stable, this insurance does not cover expenses or benefits arisingfrom or related to:a) A medical condition (whether or not the diagnosis has been determined), if at any time in the 180 days before the effective date:• you have taken or been prescribed medication, or received treatment for that medical condition; or• you have experienced a deterioration of that medical condition, or sought treatment for that medical condition.b) A heart condition (whether or not the diagnosis has been determined),if at any time in the 180 days before the effective date:• you have taken or been prescribed medication, or received treatment for, any heart condition; or• you have experienced a deterioration of, or sought treatment for, any heart condition.c) A lung condition (whether or not the diagnosis has been determined),if at any time in the 180 days before the effective date:• you have taken or been prescribed medication, or received treatment for any lung condition; or• you have experienced a deterioration of, or sought treatment for, any lung condition.4 This insurance does not pay for any expenses incurred directly or indirectly as a result of:i) Your immediate family member or your travelling companion’s medical condition or related condition (whether or not the diagnosis hasbeen determined), if at any time in the 90 days before your effective date, your immediate family member or your travelling companion’smedical condition or related condition has not been stable.ii)Your immediate family member or your travelling companion’s heart condition (whether or not the diagnosis has been determined),if atany time in the 90 days before your effective date:a) any heart condition has not been stable; orb) your immediate family member or your travelling companion have taken nitroglycerin more than once per week specifically for therelief of angina pain.iii) Your immediate family member or your travelling companion’s lung condition (whether or not the diagnosis has been determined),if at anytime in the 90 days before your effective date:a) any lung condition has not been stable; orb) your immediate family member or your travelling companion have been treated with or prescribed home oxygen (on a regular or on anas needed basis) or treated with or prescribed oral steroids (prednisone or prednisolone) for any lung condition.What conditions apply?1 It is a condition of any transportation and subsistence allowance benefit under this policy that travel must be undertaken on the earliest of:a) the date when your travel is medically possible; andb) within 10 days following your originally scheduled return date if your delay is not the result of hospitalization; orc) within 30 days following your originally scheduled return date if your delay is the result of hospitalization,when the benefit is payable because of a medical condition covered under one of the insured risks.2 It is a condition of risk insured #34 that any amount payable under Benefit F will be reduced by any amount recoverable from another source(including but not limited to alternatives or replacement travel options offered by airlines, tour operators, cruise lines and other carriers) for thesame cause.3 In the event that you are found to be ineligible for coverage, or that a claim is found to be invalid, or benefits are reduced in accordance withany policy exclusion or term or condition, we have the right to collect from you any amount which we have paid on your behalf to medicalproviders or other parties.4 This insurance is subject to the “Terrorism Coverage”, “General Conditions” and “How Do You Submit a Claim?” sections outlined in thispolicy.9 RBC Insurance Cancellation & Interruption Single Trip V_12_March2015