535348 TMI Distribution Guide Annual Plan Only
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TD Insurance
Travel Medical Insurance
Annual Plan
Distribution Guide
Name of Insurance Product
Travel Medical Insurance Annual Plan Coverage
Type of Insurance Product
Group Travel Insurance
Name and Address of Insurer:
TD Life Insurance Company
P.O. Box 1
Toronto Dominion Centre
Toronto, Ontario M5K 1A2
Phone: 1-888-788-0839
Name and Address of the Administrator:
Allianz Global Assistance
P.O. Box 277
Waterloo, Ontario N2J 4A4
Phone: 1-800-293-4941
416-977-2039
Fax: 519-742-9471
Name and Address of the Distributor:
The Toronto-Dominion Bank
P.O. Box 1
TD Centre
Toronto, Ontario M5K 1A2
Responsibility of the Autorité des marchés financiers
The Autorité des marchés financiers does not express an opinion on the quality of the product
offered in this guide.
The Insurer alone is responsible for any discrepancies between the wording of the guide and the policy.
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Table of Contents
Section
Page
Introduction................................................................................................................................................. 3
Nature of the Coverage ................................................................................................................................ 3
Right to Examine the Certificate..................................................................................................................... 3
Section 1: Summary of Annual Plan Benefits ............................................................................................... 3
Section 2: Eligibility – Who Can Apply for Coverage? ................................................................................... 4
Eligibility Requirements ................................................................................................................................ 4
What Coverage Options are Available?........................................................................................................... 4
When is a Medical Questionnaire Required?.................................................................................................... 5
How to Apply for a Top-up of Your Annual Plan................................................................................................ 5
Section 3: Medical Emergency Coverage ..................................................................................................... 5
What to Do in a Medical Emergency ............................................................................................................... 5
Medical Emergency Insurance Limitations ....................................................................................................... 5
Medical Emergency Benefits ......................................................................................................................... 6
Section 4: Exclusions That Apply to All Benefits .......................................................................................... 8
Pre-Existing Condition Exclusion.................................................................................................................... 8
Medical Emergency Insurance Exclusions ....................................................................................................... 9
Section 5: General Information about this Coverage ................................................................................... 11
Your Obligations as an Insured Person ......................................................................................................... 11
Medical Emergency Coverage Period ........................................................................................................... 11
Covered Risk ............................................................................................................................................ 12
Automatic Extension of Certificate in the Event of a Medical Emergency ............................................................ 12
When Your Certificate Terminates ................................................................................................................ 12
How to Renew Your Annual Plan ................................................................................................................. 12
How to Contact Our Administrator ................................................................................................................ 12
Proof of Insurance ..................................................................................................................................... 13
Section 6: How to Make a Claim ................................................................................................................ 13
Medical Emergency Claim........................................................................................................................... 13
If You report the claim immediately ............................................................................................................... 13
If You do not report the claim immediately ..................................................................................................... 14
Section 7: Premiums and Cancellation and Right to Examine/Rescind of Coverage...................................... 14
Premiums ................................................................................................................................................. 14
Cancelling and Right to Examine/Rescind Your Annual Plan ............................................................................ 14
Section 8: General Conditions................................................................................................................... 15
Access to Medical Care .............................................................................................................................. 15
Benefit Payments ...................................................................................................................................... 15
Coordination of Benefits with Other insurance................................................................................................ 15
Currency .................................................................................................................................................. 15
Group Policy ............................................................................................................................................. 15
Legal Action Limitation Period...................................................................................................................... 15
Misrepresentation of Facts Other than Your Health/Medical Information............................................................. 15
Proof of Loss and Timely Reporting.............................................................................................................. 15
Relationship Between Us and the Group Policyholder ..................................................................................... 15
Review and Medical Examination................................................................................................................. 16
Subrogation .............................................................................................................................................. 16
Insurer’s Reply .......................................................................................................................................... 16
Appeal of an Insurer’s Decision and Recourse ............................................................................................... 16
Similar Products ........................................................................................................................................ 16
Referral to the Autorité des marchés financiers .............................................................................................. 16
Section 9: Definitions ............................................................................................................................... 16
2
Introduction
This Distribution Guide describes TD Annual Plan Travel Medical Insurance, underwritten by TD Life Insurance
Company (“We”, “Us”, “Our”) under the Group Policy TI002 issued to The Toronto-Dominion Bank (the “Policyholder”
or “TD Canada Trust”). Allianz Global Assistance provides administrative and adjudication services under the Group
Policy. It will help You make a knowledgeable decision about the type of coverage that best suits Your needs without
the presence of an insurance advisor.
All benefits under the Certificate are subject in every respect to the Group Policy which alone constitutes the
agreement under which benefits will be provided. The principal provisions of the Group Policy affecting Insured
Persons are summarized in the Certificate. The Group Policy is on file at the office of the Policyholder and upon
request, You are entitled to examine and receive a copy of the Group Policy.
Terms in italic throughout this Distribution Guide are defined in the “Definitions” section.
Nature of the Coverage
Medical Emergency
We will pay a benefit if an Insured Person suffers a Medical Emergency during a Covered Trip.
Right to Examine the Certificate
You have ten (10) days from the date You purchase the Certificate to notify Us if You wish to cancel coverage. If You
cancel coverage within this 10 day period, You will receive a full refund of any premiums paid, provided You have not
departed on a Covered Trip, and no claims have been initiated.
Se ction 1:
S u mma r y o f An n u a l P l a n B e n e f i t s
For complete details of coverage, please refer to the applicable sections within this Distribution Guide.
Coverage
Medical Emergency coverage and other
benefits including:
Hospital benefit
Physician's bills
Diagnostic services
Ambulance
Medical appliances
Emergency return home
Private duty nursing
Professional fees (Physiotherapist,
Chiropractor, etc.)
Accidental dental
Bedside Companion benefit
Travelling Companion benefit
Vehicle return
Return of deceased
Maximum Benefit Payable
(per Insured Person per Covered Trip)
Up to $5,000,000 per Insured Person per Covered Trip with no overall
maximum per Policy Year.
Up to $5,000
Up to $300 per profession
Up to $2,000
Round trip economy air fare and up to $1,500 for meals and
accommodation for a Bedside Companion.
One-way economy air fare
Up to $1,000
Up to $5,000
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Se ction 2:
E l i g i b i l i t y – Wh o C a n Ap p l y f o r C o v e r a g e ?
You can apply for insurance by completing an Application online at tdinsurance.com, or over the telephone with Our
Administrator, from 8 a.m. to 9 p.m. ET, Monday to Saturday, toll-free at 1-800-293-4941 or 416-977-2039.
You can also apply for top-up coverage by calling Our Administrator at the 24-Hour Assistance line and completing an
Application by telephone. The telephone number is 1-800-359-6704 from Canada or the United States, or from any
other countries, You can call collect at 416-977-5040.
Eligibility Requirements
You may apply for Annual Plan Coverage if You are:
at least 18 years old on the Effective Date of Your Annual Plan, if You are purchasing either the 9-day, 17-day, or
30-day plan options; or
18 to 84 years old on the Effective Date of Your Annual Plan, if You are purchasing the 60-day plan option; and
a Resident of Canada; and
covered under a GHIP; and
a TD Bank Group customer, or the Spouse or Dependent Child of a TD Bank Group customer; and
in Canada when You buy the coverage; and
have answered medical questions to determine whether You are eligible for this coverage (when required as part of
the application process); and
You purchase the insurance no earlier than 240 days before the Effective Date of Your Annual Plan.
What Coverage Options are Available?
There are three coverage options available under the Annual Plan: Single Coverage, Couple Coverage and Family
Coverage.
1. Single Coverage
You may apply for Single Coverage for yourself, or on behalf of Your Dependent Child(ren) who are travelling
without either You or Your Spouse if:
You specify in Your Application that the Certificate is to cover the Dependent Child(ren) instead of You; and
Your Dependent Child(ren) meet(s) the Eligibility Requirements above, except that:
- they do not have to be TD Bank Group customers; and
- they can be under 18 years old.
2. Couple Coverage
You may apply for coverage under the Annual Plan on behalf of Your Spouse or a Travelling Companion under
Couple Coverage if:
You name Your Spouse or Travelling Companion in Your Application; and
You and Your Spouse or Travelling Companion meet the Eligibility Requirements above, except that:
- they do not have to be a TD Bank Group customer; and
- if Your Travelling Companion is Your Dependent Child, then he or she may be under 18 years old.
3. Family Coverage
You may apply for coverage under the Annual Plan for Your Spouse and Your Dependent Child(ren) under Family
Coverage if:
You name Your Spouse and/or Dependent Child(ren) in Your Application; and
they meet the Eligibility Requirements above, except that:
- they do not have to be TD Bank Group customers; and
- Your Dependent Child(ren) is/are travelling with You or Your Spouse; and
- Your Dependent Child(ren) may be under 18 years old.
NOTE: Couple Coverage and Family Coverage are not available when a medical questionnaire is required as part of
Your application process. To find out if a medical questionnaire is required, refer to "When is a Medical Questionnaire
Required?" below.
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When is a Medical Questionnaire Required?
Depending on Your age and the Annual Plan option You choose, some customers will need to answer a medical
questionnaire to determine if insurance can be provided. In these cases, the premium for coverage will be based on
the answers to the medical questions. Some applicants may not qualify for coverage based on their responses to the
medical questions. The following table explains when a medical questionnaire will need to be completed.
Annual Plan Option
9-day plan
17-day plan
30-day plan
60-day plan
Medical Questionnaire is required for:
All applicants 65 years of age and older
All applicants 55 years of age and older
How to Apply for a Top-up of Your Annual Plan
If You already have a TD Travel Medical Insurance Annual Plan, and You are planning a trip that will last more than
the maximum number of days allowed for a Covered Trip under Your Annual Plan option, You can apply for top-up
coverage, if each Insured Person meets the applicable Eligibility Requirements above, except that:
You do not have to be in Canada when You purchase this top-up of coverage; and
You can apply either before or after You depart on Your trip if:
- no Insured Person has suffered a Medical Emergency before You apply for this top-up of coverage; and
- You apply before 11:59 p.m. ET on the last day of Your Covered Trip (please note that the date of departure
counts as one full day); and
- the Covered Trip is from one (1) day up to 212 days but not longer than the maximum number of days allowed
under Your GHIP for travel outside of Canada; and
- You pay the required premium for the top-up coverage.
Any top-up is subject to approval by Our Administrator.
Se ction 3:
M edical Em er gency C ov e r age
What to Do in a Medical Emergency
In a Medical Emergency, You must call Our Administrator immediately, or as soon as is reasonably possible. If not,
benefits will be limited as described below under “Medical Emergency Insurance Limitations” Some expenses will only
be covered if Our Administrator approves them in advance.
You can get help 24 hours a day, seven days a week by calling:
from Canada or the U.S., toll-free, 1-800-359-6704; or
from other countries, 416-977-5040, collect.
Our Administrator will verify whether coverage is in effect and, if so, will direct the Insured Person to the nearest
appropriate medical facility. Our Administrator will arrange for direct payment to the medical service provider wherever
possible, and manage the Medical Emergency from the initial report through to its conclusion.
If a direct payment cannot be arranged, the Insured Person may be asked to pay for services and then submit a claim
for reimbursement of eligible expenses.
NOTE: All payments and payment guarantees are subject to the terms, conditions, limitations and exclusions of the
Certificate.
Medical Emergency Insurance Limitations
1. Medical Emergency Treatment requires pre-approval
You must notify Our Administrator before obtaining Medical Emergency Treatment so that We may:
confirm coverage
provide pre-approval of Treatment
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If it is medically impossible for You to call prior to obtaining Medical Emergency Treatment, We ask You to call
within 48 hours, or as soon as possible, or have someone call on Your behalf. Otherwise, if You do not call Our
Administrator before You obtain Medical Emergency Treatment, Your Maximum Benefit Payable will be reduced to
80% of Your medical expenses covered under this insurance, to a maximum of $30,000.
2. Failure to meet the requirement to be covered by a GHIP
You must be covered under the GHIP of Your province or territory of residence prior to and for the entire duration
of the Covered Trip. It is Your responsibility to check that You do have this coverage. There is no coverage under
the Certificate if You do not have a valid GHIP.
Medical Emergency Benefits
We will pay a Medical Emergency benefit for eligible Medical Emergency expenses if an Insured Person suffers a
Medical Emergency during the Medical Emergency Coverage Period for a Covered Trip.
Eligible Medical Emergency expenses include:
Medical Emergency Coverage up to $5,000,000 per Covered Trip. No overall maximum per Policy Year.
Hospital benefit
Attendance at a Hospital or appropriate medical facility for Treatment as an inpatient,
outpatient, and emergency basis, when approved in advance by Our Administrator.
Physicians’ bills
Fees charged by a Physician, when required as part of Treatment for a Medical
Emergency, and approved in advance by Our Administrator.
Private duty nursing
Up to $5,000 for services performed and supplies deemed necessary by a registered
nurse; including medically necessary nursing supplies.
Diagnostic services
Charges for diagnostic tests, laboratory tests and X-rays which are prescribed by the
treating Physician, and approved in advance by Our Administrator if the tests involve:
magnetic resonance imaging (MRI); or
computerized axial tomography (CAT) scans; or
sonograms; or
ultrasounds; or
any invasive diagnostic procedures, including angioplasty.
Ambulance
Charges for emergency ambulance service to the nearest approved Hospital.
Air ambulance
Charges for emergency air ambulance only if Our Administrator determines that the
Insured Person’s physical condition precludes the use of any other means of
transportation; and:
makes the determination before the service is provided; and
pre-approves the service; and
arranges for the service.
Prescriptions
Reimbursement of prescription drugs required as part of emergency Treatment while in
Hospital.
NOTE: Vitamins and patent, proprietary and experimental drugs are excluded.
Professional fees
Up to a maximum of $300 per profession for expenses incurred as a result of a covered
Medical Emergency which requires Treatment by a licensed physiotherapist, chiropractor,
chiropodist, podiatrist or osteopath, if:
Treatment is required for the immediate relief of an acute symptom, and that,
according to a Physician, cannot be delayed until You return to Your province or
territory of residence; and
Treatment is ordered by a Physician during a Covered Trip and received by a licensed
professional as described under this benefit.
6
Accidental dental
Up to $2,000 for dental Treatment that is:
required during a Medical Emergency Coverage Period; and
necessary because of a blow to natural or permanently installed teeth which occurs as
a result of a Medical Emergency.
Emergency relief of
dental pain
Treatment for emergency relief of dental pain is covered up to a maximum of $200.
Medical appliances
The cost of casts, crutches, trusses, braces, slings, splints, medical walking boots, and/or
the rental cost of a wheelchair or walker, if:
prescribed by a Physician; and
required because of a Medical Emergency.
Emergency return
home
The cost of a one-way economy fare and, if required to accommodate a stretcher, a
second one-way economy fare, if:
as a result of a Medical Emergency, Our Administrator determines that an Insured
Person should return to Canada; and
Our Administrator approves the transportation in advance.
NOTE: We will also pay the expenses for a qualified medical attendant to accompany
You to Your province or territory of residence if recommended by the attending Physician
during Your Medical Emergency and approval is granted by Our Administrator in
advance.
Bedside Companion
benefit
The cost of one round-trip economy airfare from Your Bedside Companion’s province or
territory of residence, and up to $150 per day, to a maximum of $1,500 for food and
accommodation, if:
You are Hospitalized because of a covered Medical Emergency and are expected to
remain Hospitalized for at least three (3) consecutive days; and
Our Administrator approves this benefit in advance.
Travelling Companion
benefit
The cost of a single one-way economy airfare for a Travelling Companion to return to his
or her place of departure, if:
an Insured Person has a covered Medical Emergency that makes it necessary for the
Travelling Companion to stay beyond their scheduled return date; and
Our Administrator approves the travel in advance.
Meals and
accommodation
up to $350 per day to a maximum of $3,500, for Your :
- commercial accommodations and meals; and
- essential telephone calls and internet usage fees; and
- taxi fares (or rental car in lieu of taxi fares);
if, upon a Physician’s discretion You, or Your Travelling Companion, are relocated to
receive medical attention, for a Medical Emergency covered under this insurance; or
You are delayed beyond Your return date in order to receive Medical Emergency
Treatment; or
Your Travelling Companion requires Medical Emergency Treatment for any Medical
Condition covered under this insurance.
NOTE: Subject to pre-authorization from Our Administrator.
Incidental Hospital
expenses
Up to $50 per day to a maximum of $500, for Your incidental Hospital expenses
(telephone calls, television rental, parking), while You are Hospitalized for at least 48
hours.
7
Return and escort of
Dependent Children
If Dependent Children are travelling with You or join You during Your Covered Trip and
You are Hospitalized for more than 24 hours or You must return to Your province or
territory of residence because of Your Medical Emergency covered under this insurance,
this insurance covers:
the lesser of the cost of a one-way economy air fare on a commercial flight via the
most cost effective route for the return of those Dependent Children to their province or
territory of residence or the cost incurred to change the return date of existing air fare
on a commercial flight; and
the cost of a return economy air fare via the most cost effective route on a commercial
flight for an escort, if the airline requires that the Dependent Children be escorted.
Vehicle return
Up to $1,000 toward the cost of returning an Insured Person’s vehicle to his or her home
or the nearest vehicle rental agency, if:
the Insured Person is unable to return the vehicle because of a Medical Emergency;
and
Our Administrator arranges for the return of the vehicle.
Return of deceased
Up to $5,000 toward the cost of preparation and transportation home of a deceased
Insured Person if death results from a covered Medical Emergency; or
the burial or the cremation of an Insured Person’s remains where their death occurred;
and
one round-trip economy airfare, if:
- an Immediate Family Member is required to identify or obtain release of the
deceased; and
- Our Administrator approves the transportation in advance.
NOTE: The cost of a burial casket or urn is not covered.
Se ction 4:
E x c l u s i o n s T h a t Ap p l y t o Al l B e n e f i t s
Pre-Existing Condition Exclusion
Your Pre-existing Condition exclusion is determined by the answers provided by You, when You completed Your
Application for insurance and, where applicable, the medical questionnaire (depending on Your age and the Annual
Plan option You choose). To be eligible for benefits under the Certificate, a Pre-Existing Condition must be Stable for
a specified period of time before Your Departure Date. The following table explains which Pre-Existing Condition
exclusion and stability period applies to You. Where applicable, refer to Your Declaration of Coverage to find Your rate
category.
9 Day & 17 Day Annual Plans options
Your Age
Rate Category Pre-Existing Condition exclusion that applies to You:
Under the
No Rate
We will not pay for any Medical Emergency expenses or benefits incurred directly
age of 65
Category
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 90 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
Age 65 and
Rate Category
We will not pay for any Medical Emergency expenses or benefits incurred directly
older
A and B
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 90 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
Rate Category
We will not pay for any Medical Emergency expenses or benefits incurred directly
C, D and E
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 180 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
8
30 Day & 60 Day Annual Plans options
Your Age
Under the
age of 55
Age 55 and
older
Rate Category Pre-Existing Condition exclusion that applies to You:
No Rate
We will not pay for any Medical Emergency expenses or benefits incurred directly
Category
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 90 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
Rate Category
We will not pay for any Medical Emergency expenses or benefits incurred directly
A and B
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 90 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
Rate Category
We will not pay for any Medical Emergency expenses or benefits incurred directly
C, D and E
or indirectly as a result of Your Medical Condition or related condition (whether or
not the diagnosis has been determined), if at any time in the 180 days before You
depart on Your Covered Trip, Your Medical Condition or related condition has not
been Stable, other than a Minor Ailment.
Medical Emergency Insurance Exclusions
In addition to the exclusion outlined above, under "Pre-Existing Condition Exclusion," the Certificate does not cover
any Treatment, services, or expenses of any kind caused directly or indirectly as a result of the following:
1. A child born during the Covered Trip
We will not pay any expenses or benefits with respect to Your child born during a Covered Trip.
2. Abuse of alcohol, drug, or intoxicants
We will not pay any expenses or benefits with respect to:
any Medical Condition, including symptoms of withdrawal, arising from, or in any way related to, Your chronic
use of alcohol, drugs or other intoxicants whether prior to or during Your Covered Trip; or
any Medical Condition arising during Your Covered Trip from, or in any way related to, the abuse of alcohol,
drugs or other intoxicants.
3. Claims related to expectant mother’s complications of pregnancy, or delivery
We will not pay any expenses or benefits with respect to:
routine pre-natal or post-natal care; or
pregnancy, delivery or complications of either arising nine (9) weeks before the expected date of delivery or
anytime, after delivery.
4. Failure to transfer to an appropriate facility for Treatment
We reserve the right to transfer an Insured Person to an appropriate medical facility, or to his or her province or
territory of residence, for further Treatment in consultation with the Insured Person’s treating Physician. Refusal to
comply with an arranged transfer will release Us from any liability to pay any expenses incurred after the
scheduled transfer date.
5. Hazardous activities
We will not pay any expenses or benefits with respect to an accident that occurs while You are participating in any
non-standard sport or activity involving a high level of risk, such as those indicated below, but not limited to:
parasailing, hang-gliding and paragliding; or
parachuting and sky diving; or
bungee jumping; or
mountaineering; or
cave exploration; or
amateur scuba diving, unless You hold at least a basic scuba diving license from a certified school; or
any airborne activity in any aircraft other than a passenger aircraft that holds a valid certificate of airworthiness.
9
6. Illegal act
We will not pay any expenses or benefits with respect to Your committing or attempting to commit a criminal
offence or illegal act, including driving while impaired or over the legal limit.
7. Inaccurate evidence of insurability
We will not pay any expenses or benefits with respect to Your failure to provide accurate and complete evidence of
insurability as described under "Your Obligations as an Insured Person," in Section 5.
8. Intentional self-inflicted injury
We will not pay any expenses or benefits with respect to intentional self-inflicted injury, suicide or attempted
suicide (whether or not the Insured Person is aware of the result of their actions), regardless of the Insured
Person's state of mind.
9. Medical Emergency occurring outside the Coverage Period
We will not pay a benefit with respect to a Medical Emergency that occurs before the Medical Emergency
Coverage Period begins or after it ends. For example, no benefit will be paid with respect to a Medical Emergency
that occurs after 11:59 p.m. ET on the last day of a Covered Trip, if You have not purchased top-up coverage for
the trip.
NOTE: The day of departure counts as a full day for this purpose.
10. Mental disorders
We will not pay any expenses or benefits with respect to any mental, nervous or emotional disorders, including any
Medical Emergency arising from these disorders.
11. Misrepresentation
This Certificate is issued on the basis of information in Your application (including answers to the medical
questionnaire, if required). When completing the application and answering the medical questions, Your answers
must be complete and accurate. In the event of a claim, We will review Your medical history. If any of Your
answers are found to be incomplete or inaccurate:
Your coverage will be null and void
Your claim will not be paid
We will refund Your premium
12. Non-compliance with prescribed medical Treatment
We will not pay any expenses or benefits with respect to any Medical Condition that is the result of You not
following medical Treatment as prescribed to You, including prescribed medication.
13. Non-emergency services
We will not pay expenses and benefits with respect to non-emergency, experimental or elective Treatment (e.g.
cosmetic surgery, chronic care, rehabilitation including any expenses for directly or indirectly related
complications).
14. Ongoing Medical Emergency Treatment (investigations, Treatment and surgery) requires pre-approval
After Your Medical Emergency Treatment has started, Our Administrator must assess and approve additional
medical Treatment. If You undergo a medical investigation, obtain Treatment or surgery that is not pre-approved,
expenses and benefits will not be paid under the Certificate. This includes invasive testing or surgery (e.g. cardiac
catheterization, other cardiac procedures, transplant and MRI).
15. Payment of benefit prohibited by Canadian law
We will not pay a benefit where the payment of the benefit is prohibited by Canadian law or where Canada has
signed a treaty or agreed to a sanction prohibiting such payment.
16. Professional sports or racing
We will not pay any expenses or benefits with respect to Your participation in professional sports or any organized
racing or speed contests.
17. Recurrence or ongoing Treatment once Medical Emergency has ended
We will not pay any expenses or benefits relating to the continued Treatment, recurrence or complication of a
Medical Condition or related condition, following Medical Emergency Treatment during Your trip, if Our
Administrator determines that Your Medical Emergency has ended.
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18. Travel advisories
We will not pay any expenses or benefits for Your Medical Emergency or related Medical Condition, if the reason
for Your Medical Emergency or related Medical Condition is associated in any way with a written formal travel
warning of ‘Avoid all non-essential travel’ or of ‘Avoid all travel’ issued before Your Departure Date by the
Canadian Government, advising Canadians not to travel to the country, region or city of Your trip.
19. Travel against medical advice
We will not pay any expenses or benefits incurred after Your Physician advised You not to travel.
20. Travelling when Treatment could be expected
We will not pay any expenses or benefits relating to:
any Medical Condition or related condition if the purpose of Your trip is to obtain or receive a diagnosis, medical
Treatment, surgery, investigation, palliative care, alternative therapy, as well as any directly or indirectly-related
complication; or
any Medical Condition for which it was reasonable, prior to departure, to expect Treatment or Hospitalization
during Your trip; or
any symptoms evident that it would be reasonable to expect You to investigate in the three (3) months prior to
Your departure on a Covered Trip.
21. War
We will not pay any expenses or benefits relating to a Medical Condition incurred as a result of:
an act of war, whether declared or undeclared; or
hostile or warlike action in time of peace or war; or
insurrection; or
a riot, civil disorder or civil war; or
rebellion; or
revolution; or
hijacking.
Se ction 5:
G e n e r a l I n f o r ma t i o n a b o u t t h i s C o v e r a g e
Your Obligations as an Insured Person
Failure to disclose impacts Your benefits
The Certificate is voidable by Us and no benefits will be paid if a person who applies to be insured and completes a
medical questionnaire as part of the Application:
fails to disclose all Medical Conditions, current medications, prescribed medications and periods of Hospitalization in
response to the medical questions; or
fails to fully, completely and accurately answer the medical questions.
The Certificate and all coverage hereunder is voidable by Us even if:
the failure to disclose or misrepresentation relates only to the amount of premium that should have been paid; or
any failure to disclose or misrepresentation does not relate to the cause of any claim.
NOTE: We may investigate the answers provided to the health questions in the Application at any time, including at the
time of claim.
Medical Emergency Coverage Period
The Medical Emergency Coverage Period for the Annual Plan begins when the Insured Person departs on a Covered
Trip and ends on the earlier of:
the date the Insured Person returns from the Covered Trip; or
if You do not have top-up coverage, 11:59 p.m. ET on the last day of Your Covered Trip; or
11:59 p.m. ET on the last day of Your top-up coverage shown in the most recent Declaration of Coverage; or
the date the Certificate terminates.
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Covered Risk
We will pay a Medical Emergency benefit if an Insured Person suffers a Medical Emergency during the Medical
Emergency Coverage Period for a Covered Trip.
We will pay for the Reasonable and Customary Charges for eligible Medical Emergency expenses up to the Maximum
Benefit Payable as described in the section “Summary of Annual Plan Benefits”, less any amounts payable or
reimbursable under:
a GHIP;
any group or individual health plans; OR
any insurance policies.
Automatic Extension of Certificate in the Event of a Medical Emergency
If an Insured Person is suffering from a Medical Emergency on the date the Medical Emergency Coverage Period
would end for any reason except cancellation of the Certificate, the Medical Emergency Coverage Period is
automatically extended to 72 hours immediately following the end of the Medical Emergency:
for that Insured Person; and
for any other Insured Person if:
- that other Insured Person has extended his or her trip past his or her scheduled return date because of the first
Insured Person’s Medical Emergency; and
- Our Administrator has approved a Travelling Companion benefit for that other Insured Person.
When Your Certificate Terminates
If You do not renew Your Annual Plan, it will terminate on Your Anniversary Date.
How to Renew Your Annual Plan
Your Annual Plan will automatically renew on the Anniversary Date if:
You provided instructions to renew automatically; and
We have a valid credit card on file on Your Anniversary Date; and
no Insured Person under the Certificate is required to complete a medical questionnaire on the Anniversary Date;
and
We receive and accept the renewal premium.
To renew an Annual Plan, You can contact Our Administrator before Your Anniversary Date to arrange for payment at
1-800-293-4941 (toll-free) or at 416-977-2039 from 8 a.m. to 9 p.m. ET, Monday to Saturday.
If there have been any changes to the insurance coverage, We will send You a new Certificate; otherwise, Your most
recent Certificate will continue to apply. If You wish to cancel Your insurance, You can do so as described "Section 7:
Cancelling Your Annual Plan."
How to Contact Our Administrator
1. 24-hour Emergency Assistance Number
To report a Medical Emergency, or to apply for top-up coverage, call Our Administrator 24 hours a day, seven
days a week:
from the U.S. or Canada, 1-800-359-6704;
from elsewhere, call collect, 416-977-5040.
2. Customer Service
To obtain a claim form, cancel Your insurance or for general inquiries, call Our Administrator from 8 a.m. to 9 p.m.
ET, Monday to Saturday, toll-free at 1-800-293-4941 or 416-977-2039 or send Your request to:
Re: TD Insurance Travel Medical Insurance
Allianz Global Assistance
P.O. Box 277
Waterloo, Ontario N2J 4A4
Fax: 519-742-9471
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Proof of Insurance
Your proof of insurance is the Declaration of Coverage document that is provided to You when You complete Your
Application for coverage. If You do not receive Your proof of insurance before You depart on Your Covered Trip, You
must contact Our Administrator immediately.
You will have coverage once You complete the following steps:
applicants meet the Eligibility Requirements for insurance under Section 2; and
apply for insurance; and
if required, You provide Us with accurate and complete evidence of insurance. See "When is a Medical
Questionnaire Required" in Section 2, and "Your Obligations as an Insured Person" above; and
pay the required premium at time of enrollment.
Once this is complete, You will receive Proof of Insurance.
Se ction 6:
H ow to M ake a C laim
IMPORTANT NOTE: You must report Your claim and provide supporting documentation to Our Administrator as soon
as possible, but no later than one (1) year after the date it occurred.
Medical Emergency Claim
A Medical Emergency should always be reported immediately, as described in Section 3 under "What to Do in a
Medical Emergency," or benefits will be limited.
To make an Medical Emergency claim, as part of the requirements under Section 8: General Conditions ("Proof of loss
and timely reporting"), We will need documentation to substantiate the claim, including but not limited to the following:
proof of payment by You and by any other benefit plan; and
the original itemized receipts for all bills and invoices; and
proof of travel (including departure and return dates); and
medical records including complete diagnosis by the attending Physician or documentation by the Hospital, which
must support that the Treatment was medically necessary; and
proof of the accident if You are submitting a claim for dental expenses resulting from a Medical Emergency; and
Your historical medical records (if We determine applicable).
If You report the claim immediately
If Our Administrator guarantees or pays eligible expenses on behalf of an Insured Person, then You and, if applicable,
the Insured Person must sign an authorization form allowing Our Administrator to recover those expenses:
from the Insured Person’s GHIP; and
from any health plan or other insurance; and
through rights You may have against other insurers or other parties (see Section 8: General Conditions, under
“Subrogation”).
If Our Administrator pays eligible expenses that are covered under other insurance or another plan, You and the
Insured Person (if applicable) must help Our Administrator to seek reimbursement as required.
The Insured Person must also provide evidence of the actual departure date from his or her province or territory of
residence. If requested, an Insured Person must confirm any return dates to his or her province or territory of
residence.
NOTE: If Our Administrator makes an advance payment for expenses that are later discovered to be ineligible under
the Certificate, the Insured Person must reimburse Us.
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If You do not report the claim immediately
In a Medical Emergency, You must call Our Administrator immediately, or as soon as is reasonably possible. If not,
benefits will be limited as described under “Medical Emergency Insurance Limitations” in Section 3. If an Insured
Person incurs eligible Medical Emergency expenses without first contacting Our Administrator for assistance and claim
management, he or she must first submit receipts and other proof to:
GHIP; and
then to any group or individual health plan(s) and/or insurer(s).
Eligible Medical Emergency expenses not covered by a GHIP or other plan or insurance must be submitted to Our
Administrator with proof of:
claim, receipts and payment statements
the actual departure date from Your province or territory of residence (Proof includes, but not limited to, a flight
itinerary, gas receipts or toll-road receipts)
See Section 5 under “How to Contact Our Administrator,” for information on how to get a claim form.
Se ction 7:
P r e mi u ms a n d C a n c e l l a t i o n a n d R i g h t t o E x a mi n e / R e s c i n d o f C o v e r a g e
Premiums
Premiums will be based on:
the age of the oldest person to be insured under Your Certificate as of:
- the Effective Date of Your Certificate; or
- if applicable, the Anniversary Date on which Your Certificate is renewed; and
the medical information provided when You apply (where applicable); and
Our pricing that is in effect at the time of Your Application; and
Your coverage type (Single, Couple, Family).
NOTE: Please note that premium rates can be changed without notice.
Cancelling and Right to Examine/Rescind Your Annual Plan
You have ten (10) days from the date You purchase the Certificate to cancel coverage and receive a full refund of any
premium paid. All requests for cancellation of the Annual Plan must be made to Our Administrator, in writing or by
phone (see "How to Contact Our Administrator," in Section 5). The following explains how and when cancellations may
take place.
by phone – cancellation will be effective on the date of Your call; or
by written, mailed request – cancellation will be effective on the post-marked date of Your request.
When Can You Cancel
No later than ten (10) days from the date You purchase
this Certificate.
After ten (10) days from the date You purchase this
Certificate
Premium Refund/Fees
Full refund
No refund
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Se ction 8:
G e ne r al C onditions
Unless the Certificate or the Group Policy states otherwise, the following conditions apply to Your coverage.
Access to Medical Care
TD Life, TD Bank Group, Our Administrator and their affiliates are not responsible for the availability, quality or results
of any medical Treatment or transport, or for the failure of any Insured Person to obtain medical Treatment.
Benefit Payments
This Certificate contains provisions removing or restricting the right of the Insured Person to designate
persons to whom or for whose benefit money is to be payable. This means that under the Group Policy, neither
You nor any Insured Person has the right to choose a beneficiary who will receive any benefits payable under the
Certificate. Benefits are payable to You or, on Your behalf, to Your medical service provider.
Coordination of Benefits with Other insurance
All of Our policies are excess insurance, meaning that any other sources of recovery You have will pay first, and this
insurance policy will be the last to pay. The total benefits payable under all Your insurance, including the Certificate,
cannot be more than the actual expenses for a claim. If an Insured Person is also insured under any other insurance
certificate or policy, We will coordinate payment of benefits with the other insurer.
In no case will We seek to recover against employment related plans if the lifetime maximum for all in-country and
out-of-country benefits is $50,000 or less. If the lifetime maximum for all in-country and out-of-country benefits is
over $50,000, We will coordinate benefits only above this amount.
Currency
All amounts shown are in Canadian currency.
Group Policy
All benefits under the Certificate are subject in every respect to the Group Policy, which alone constitutes the
agreement under which benefits will be provided. The principal provisions of the Group Policy affecting Insured
Persons are summarized in the Certificate. The Group Policy is on file at the office of the Policyholder and upon
request, You are entitled to receive and examine a copy of the Group Policy.
Legal Action Limitation Period
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), or other applicable
legislation. For those actions or proceedings governed by the laws of Quebec, the prescriptive period is set out in the
Civil Code of Quebec.
Misrepresentation of Facts Other than Your Health/Medical Information
We will not pay any expenses or benefits if You, any person insured under the Certificate or anyone acting on Your
behalf attempts to deceive Us or makes a fraudulent, false or exaggerated claim.
Proof of Loss and Timely Reporting
If You are making a claim, You must complete and send Our Administrator the appropriate claim forms, together with
written proof of loss (e.g. original invoices and tickets, medical and/or death certificates as described in Section 6: How
to Make a Claim) as soon as possible. In every case, You must report Your claim within one (1) year from the date of
the accident or the date the claim arises.
Relationship Between Us and the Group Policyholder
TD Life Insurance Company is affiliated with The Toronto-Dominion Bank (“TD Bank”).
15
Review and Medical Examination
When a claim is being processed, We will have the right and the opportunity, at Our own expense, to review all
medical records related to the claim and to examine the Insured Person medically when and as often as may be
reasonably required.
Subrogation
There may be circumstances where another person or entity should have paid You for a loss but instead We paid You
for the loss. If this occurs, You agree to co-operate with Us so We may demand payment from the person or entity who
should have paid You for the loss. This may include:
transferring to Us the debt or obligation owing to You from the other person or entity; or
permitting Us to bring a lawsuit in Your name; or
if You receive funds from the other person or entity, You will hold it in trust for Us; or
acting so as not to prejudice any of Our rights to collect payment from the other person or entity.
We will pay the costs for the actions We take.
Insurer’s Reply
Once We have approved the claim, We will notify You and payment will be made within 60 days after receipt of the
required claim forms and written proof of loss.
Once the required proof has been received and the claim has been approved, payment will be made by the Insurer
within 30 days.
If the claim has been denied, We will inform You of the claim denial reasons within 60 days after receipt of the required
claim forms and written proof of loss.
Appeal of an Insurer’s Decision and Recourse
If Your claim is refused, You can appeal this decision by submitting new information to the Insurer. You may also
consult the Autorité des marchés financiers or Your own legal advisor.
Similar Products
Other travel insurance products may be offered by other insurance companies.
Referral to the Autorité des marchés financiers
For more information about the Insurer’s obligation and the distributor’s obligation to You, the customer, You can
contact the Autorité des marchés financiers at:
Autorité des marchés financiers
Place de la Cité, Tour Cominar
2640 Laurier Blvd., 4th Floor
Quebec, Quebec G1V 5C1
Telephone Numbers
Toll free: 1-877-525-0337
Quebec: 418-525-0337
Montreal: 514-395-0337
Fax: 418-525-9512
Internet: http://www.lautorite.qc.ca
Se ction 9:
De finitions
In this Distribution Guide, the following words and phrases shown in italics have the meanings shown below. As You
read through the Distribution Guide, You may need to refer to this section to ensure You have a full understanding of
Your coverage, limitations and exclusions.
16
Administrator
Means the company We select to provide medical and claims assistance, claims
payment, administrative and adjudication services under the Group Policy.
Anniversary Date
Means the date one (1) year from Your Effective Date and, if You renew Your Certificate,
subsequent anniversaries of Your Effective Date.
Application
Means the series of questions that form Your application and are submitted:
on Your behalf when You apply by telephone; or
when You apply online; and
the series of medical questions that form part of Your Application if You apply by
telephone and Your answers to those questions.
The Application which is used to determine Your eligibility for insurance, also includes the
questions asked and answers given in connection with requests to top-up a Coverage
Period or increase coverage. The Application is part of Your insurance contract and is
used to process Your request for insurance.
Bedside Companion
Means a person of Your choice who is required at Your bedside while You are
Hospitalized during Your trip.
Certificate
Means the Certificate of Insurance.
Certificate Holder
Means the TD Bank Group customer who has applied, and has been accepted for
coverage under the Annual Plan.
Coverage Period
Means the period of time between Your Departure Date and the day You actually return
from Your Covered Trip. In the event of a Medical Emergency, Your Coverage Period will
be extended up to 72 hours immediately following the end of the Medical Emergency.
Covered Trip
Means a trip:
made by an Insured Person outside the Insured Person’s province or territory of
residence; and
that begins and ends while the Annual Plan is in effect; and
that lasts no longer than:
- nine (9) consecutive days under the 9-day plan; or
- seventeen (17) consecutive days under the 17-day plan; or
- thirty (30) consecutive days under the 30-day plan; or
- sixty (60) consecutive days under the 60-day plan.
Declaration of
Coverage
Means the document You receive when You apply for new or additional coverage under
the Group Policy, which includes Your Certificate number and confirms the coverage You
have purchased.
Departure Date
Means the date the Insured Person left their home province or territory.
Dependent Child(ren)
Means Your natural, adopted, or step-children who are:
unmarried; and
dependent on You for financial maintenance and support; and
- under 22 years of age, or
- under 26 years of age and attending an institution of higher learning, full-time, in
Canada; or
- mentally or physically handicapped.
NOTE: A Dependent Child does not include a child born while the child’s mother is
outside her province or territory of residence during the Covered Trip and as such, the
child will not be insured with respect to that trip.
17
Effective Date
Means the date Your Certificate takes effect and is the date shown in Your Application or
Your most recent Declaration of Coverage.
GHIP ("Government
Health Insurance
Plan")
Means a Canadian provincial or territorial government health insurance plan.
Group Policy
Means the Group Policy No. TI002 issued by Us for the The Toronto-Dominion Bank.
Hospital
Means:
An institution that is licensed as an accredited hospital, and is staffed and operated for
the care and Treatment of in-patients and out-patients. Treatment must be supervised
by Physicians and there must be registered nurses on duty 24 hours a day. A
laboratory and an operating room must also exist on the premises or in facilities
controlled by the establishment.
A hospital is not an establishment used mainly as a clinic, extended or palliative care
facility, rehabilitation facility, addiction treatment centre, convalescent, rest or nursing
home, home for the aged or health spa.
Hospitalized or
Hospitalization
Means to be an inpatient in a Hospital.
Immediate Family
Member
Means an Insured Person’s:
Spouse, parents, step-parent, grandparents, natural or adopted children, step-children
or legal ward, grandchildren, brothers, sisters, step-brothers, step-sisters, aunts,
uncles, nieces, nephews; and
mother-in-law, father-in-law, brothers-in-law, sisters-in-law, sons-in-law, daughters-inlaw; and
the Insured Person’s Spouse’s grandparents, brothers-in-law and sisters-in-law.
Insured Person
Means a person:
who is eligible to be insured under the Certificate; and
who was named in the Application; and
for whom the required premium has been paid; and
on whom insurance has been issued under the Certificate.
Medical Condition
Means any injury, illness, or disease; complication of pregnancy within the first thirty-one
(31) weeks of pregnancy; a mental or emotional disorder, including acute psychosis that
requires admission to a Hospital.
Medical Emergency
Means a sudden and unforeseen sickness or injury that requires immediate Treatment. A
Medical Emergency no longer exists when the evidence reviewed by Our Administrator
indicates that no further Treatment is required at destination or You are able to return to
Your province/territory of residence for further Treatment.
Minor Ailment
Means any sickness or injury which does not require:
the use of medication for a period greater than fifteen (15) days; or
more than one (1) follow up visit to a Physician, Hospitalization, surgical intervention, or
referral to a specialist; or
which ends at least fourteen (14) consecutive days prior to the Departure Date of the
trip.
NOTE: A chronic condition or complications of a chronic condition are not considered a
Minor Ailment.
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Physician
Means a medical doctor licensed to prescribe and administer medical Treatment where
the medical services are provided and who is not You or Your Immediate Family Member
or Your Travelling Companion.
Policy Year
Means the period beginning on Your Effective Date and ending with the Anniversary Date
one (1) year later and, if You renew Your Annual Plan, subsequent one (1) year periods,
as applicable.
Pre-Existing
Condition
Means any Medical Condition, that exists prior to Your Departure Date.
Reasonable and
Customary Charges
Means charges incurred for goods and services that are comparable to what other
providers charge for similar goods and services in the same geographical area.
Resident of Canada
and/or Canadian
Resident
Is any person who:
has lived in Canada for a total of 183 days within the last year (the 183 days do not
have to be consecutive); or
is a member of the Canadian Forces.
Spouse
Means:
the person who the Insured Person is legally married to; or
the person the Insured Person has lived with for at least one (1) year and publicly refer
to as his or her domestic partner.
Stable
Means that for any Medical Condition or related condition, other than a Minor Ailment, for
which there have been:
No new symptoms, or more frequent or severe symptoms; or
No new test results showing a deterioration; or
No Hospitalizations; or
No new Treatment, no new medical management, no new prescribed medication; or
No change in Treatment, no change in medical management, no change in prescribed
medication; or
No pending surgery, referrals to a specialist, or other Treatment.
NOTE: The following exceptions are considered Stable:
the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly
prescribed or stopped) and there has been no change in Your Medical Condition; or
a change from a brand name medication to a generic brand medication of the same
dosage.
Travelling Companion
Means any person who travels with You during the Covered Trip and who is sharing
transportation and/or accommodation with You (to a maximum of three people including
You).
Treatment, or Treated
Means a procedure prescribed, performed or recommended by a Physician or other
authorized healthcare professional for a Medical Condition. Treatment includes but is not
limited to prescribed medication, investigative testing or surgery.
You, Your and Yours
Mean the person(s) named as the Insured Person(s) on Your most recent Declaration of
Coverage, for which insurance coverage was applied and the appropriate premium has
been received by Us.
We, Us, Our and Ours
Mean TD Life Insurance Company.
19
This is the end of the Distribution Guide.
20
NOTICE OF RESCISSION OF AN INSURANCE CONTRACT
NOTICE GIVEN BY A DISTRIBUTOR
Section 440 of the Act respecting the distribution of financial products and services
THE ACT RESPECTING THE DISTRIBUTION OF FINANCIAL PRODUCTS AND SERVICES GIVES YOU
IMPORTANT RIGHTS.
The Act allows you to rescind the insurance contract you have just signed when signing another contract, without
penalty, within 10 days of its signature. To do so, you must give the insurer notice by registered mail within that
time frame. You may use the model below for this purpose.
Despite the rescission of the insurance contract, the first contract entered into will remain in force. Caution, it is
possible that you may lose advantageous conditions as a result of the rescission of this insurance contract; contact
your distributor or consult your contract.
After the expiry of the 10-day delay, you may rescind the insurance at any time; however, penalties may apply.
For further information, contact the Autorité des marchés financiers at (418) 525-0337 or 1-877-525-0337.
NOTICE OF RESCISSION OF AN INSURANCE CONTRACT
To: TD Life Insurance Company
P.O. Box 1 TD Centre
Toronto, Ontario
M5K 1A2
Date: ________________________________________
(date of sending of notice)
______________________________________
Certificate #
Pursuant to section 441 of the Act respecting the distribution of financial products and services, I hereby rescind the
insurance certificate issued under group master policy no.:TI002.
Entered into on: __________________________________ In: ________________________________________
(date of signature of contract)
(place of signature of contract)
______________________________________________ ______________________________________________
(name of client)
(signature of client)
The distributor must first complete this section.
This document must be sent by registered mail.
Sections 439, 440, 441, 442 and 443 of the Act are printed on the back of this notice.
21
439. A distributor may not subordinate the making of a contract to the making of an insurance contract with the insurer
specified by the distributor.
The distributor may not exercise undue pressure on the client or use fraudulent tactics to induce the client to purchase
a financial product or service.
440. A distributor that, at the time a contract is made, causes the client to make an insurance contract must give the
client a notice, drafted in the manner prescribed by regulation, stating that the client may cancel the insurance contract
within 10 days of signing it.
441. A client may cancel an insurance contract made at the same time as another contract, within 10 days of signing it,
by sending notice by registered or certified mail.
Where such an insurance contract is cancelled, the first contract retains all its effects.
442. No contract may contain provisions allowing its amendment in the event of cancellation or termination by the
client of an insurance contract made at the same time.
However, a contract may provide that the cancellation or termination of the insurance contract will entail, for the
remainder of the term, the loss of the favourable conditions extended because more than one contract was made at
the same time.
443. A distributor that offers financing for the purchase of goods or services and that requires the debtor to subscribe
for insurance to guarantee the reimbursement of the loan must give the debtor a notice, drawn up in the manner
prescribed by regulation, stating that the debtor may subscribe for insurance with the insurer and representative of the
debtor’s choice provided that the insurance is considered satisfactory by the creditor, who may not refuse it without
reasonable grounds. The distributor may not subordinate the making of the contract of credit to the making of an
insurance contract with the insurer specified by the distributor.
No contract of credit may stipulate that it is made subject to the condition that the insurance contract subscribed with
such an insurer remain in force until the expiry of the term, or subject to the condition that the expiry of such an
insurance contract will entail forfeiture of term or the reduction of the debtor’s rights.
The rights of the debtor under the contract of credit shall not be forfeited when the debtor cancels, terminates or
withdraws from the insurance contract, provided that the debtor has subscribed for insurance with another insurer that
is considered satisfactory by the creditor, who may not refuse it without reasonable grounds.
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