Sickness or disease either as a cause or effect except as otherwise provided;
suicide or attempt thereat, except in the case of Non-Accidental Death benefit;
Injury for which compensation is payable under any Workers’ Compensation Act, except in the case of Accidental Death, and Dismemberment or Total and Permanent Loss of Use benefits;
the expense of a brace or similar device used for non-therapeutic purposes or solely for the purpose of participating in sports or other leisure activities;
expenses incurred for mouthguards or treatment of Temporal Mandibular Joint (TMJ) dysfunction, whatever the cause; or
Injury resulting from repetitive/strenuous activity (e.g. overexertion, strains, etc.).
2.
No benefits or expenses are payable under the Policy for treatment or services which are insured services or basic health services (e.g. Physician’s fees) under the provincial medical care or hospital plan applicable to an Insured whether or not that Insured is covered thereunder.
3.
Benefits payable for Dental shall be for the excess of expenses paid, payable, or insured under any government sponsored dental care plan or other dental plan or policy or any health plan providing accidental dental benefits.
4.
If an Insured is entitled to similar reimbursement benefits through any other insurer or plan, the benefits payable under the Policy shall be coordinated, so that the total benefits from all insurers or plans shall not exceed the actual loss incurred.
5.
The Emergency Out-of-Province/Country Travel benefit will not pay for any expenses incurred directly or indirectly as a result of:
declared or undeclared war, civil war, riot, insurrection, invasion, or any act thereof;
an illegal act by the Insured;
any condition for which the Insured travels outside his/her province of residence for the purpose of seeking medical advice or treatment;
participation in professional sports, acrobatic or stunt flying, hang gliding, parachuting, skydiving, parasailing, rock climbing, mountain climbing, bungee jumping, scuba diving, or motorized speed contests;
while under the influence of alcohol, drugs, medication, or other toxic substances.
6.
All amounts and maximums described in the Policy are in Canadian dollars. Any amounts payable to or from IAP are in Canadian dollars.
7.
An Insured cannot be covered under more than one IAP Kids Plus™ Accident Insurance Policy. In the event an Insured is inadvertently enrolled under more than one IAP Kids Plus™ Accident Insurance Policy, IAP’s liability is limited to the return of premiums paid for the additional policy.
8.
The IAP Kids Plus™ premium is a single one-time cost, and refunds will not be issued upon cancellation.
