Event Ticket Protector

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Event Ticket Protector provides reimbursement for non-refundable ticket costs if you are unable to attend the scheduled event

purchased through a primary ticket outlet due to a Covered Reason. Event Ticket Protector does not cover cancellation due to

a personal change in plans.

Benefits per Insured

Benefit Maximums

Event Ticket Cancellation

Ticket Cost up to $1,000

Lost or Stolen Ticket Replacement Coverage

Reissuing Fee up to $1,000

Change Fee Coverage

Change Fee up to $1,000

This insurance will provide you with coverage from the date you purchase Event Ticket Protector up to and including the date

of the scheduled event. For complete information, please read the Policy of Insurance below.

Policy of Insurance

This product is underwritten by CUMIS General Insurance Company (herein called “we”, “us”, “our”), a member of

The Co-operators group of companies, and administered by Allianz Global Assistance. Allianz Global Assistance is a

registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

IMPORTANT NOTICE- PLEASE READ CAREFULLY

We have issued this Policy of insurance to the person(s) named on the Declaration Page (herein called “you” or “your”).

If you believe that the Declaration Page we sent you is incorrect, please contact us at:

1-866-520-8837

This Policy and your Declaration Page describe your insurance and its terms and conditions, which may limit benefits and

amounts payable to you. Please read the Policy carefully to understand the conditions of the coverage for which you have

paid a premium.

This Policy contains a number of exclusions and limitations including a Pre-Existing Condition Exclusion, which may apply to

a medical condition and/or symptoms that existed prior to your ticket purchase date.

PLEASE READ YOUR POLICY OF INSURANCE CAREFULLY

IF YOU NEED TO FILE A CLAIM, PLEASE

CALL THIS NUMBER 1-866-520-8837 TOLL-FREE FROM CANADA AND THE UNITED STATES

TO REQUEST A CLAIM FORM.

Please have the Policy Number (per your Declaration Page) for the representative when you call.

Right to Examine this Insurance

If you notify us that you are not completely satisfied with your purchased plan within 10 days of the date of issue of this Policy

of Insurance as indicated on your Declaration Page, we will provide a full refund of premium as long as the scheduled event

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date has not passed, you have not used your ticket, nor have you filed a claim. In no event will a refund be paid to you after 10

days of purchasing the Policy.

This insurance is intended for sale to Canadian residents only.

lease note: Refund of premium is not applicable in any situation where a possible claim has already been incurred.

What risks are insured?

This insurance provides reimbursement for non-refundable ticket costs if you are unable to use your ticket due to one or more

of the Covered Reasons. This Policy of Insurance is designed to protect you against situations or losses that result from sudden

and unexpected conditions or events. These insurance benefits do not cover conditions or events that, on the date of purchase,

are either known to you or likely to occur.

In this Policy, certain terms have defined meanings. Those defined terms are as indicated on your Declaration Page,

or as below in the section titled “Definitions”, and appear throughout this Policy in italics.

Definitions

Accident/Accidental - a sudden, unexpected, unintended,

unforeseeable external event, occurring during the coverage

period, arising wholly from accidental means, which

independently of any other cause, causes injury.

Accidental Bodily Injury - a bodily injury caused by an

accident of external origin occurring during the coverage

period and being the direct and independent cause of the

loss.

llianz Global Assistance - Allianz Global Assistance, our

administrator for assistance and claims services under this

Policy.

Children - unmarried persons who are dependent on you for

support and are:

 under 21 years of age; or

 under 26 years of age if a full-time student; or

 over 20 years of age and mentally or physically

incapable of self-support and became so while

eligible as a dependent child.

Companion - a person who:

 purchases a ticket to the same event(s) or venue as

you; and

 intends to use the ticket with you.

ontamination - the contamination or poisoning of people

by nuclear and/or chemical and/or biological substances,

which causes illness and/or death.

Coverage Period - the time insurance is in effect, beginning

on the effective date and ending on the expiry date.

Effective Date – your coverage will begin the day your

telephone order is placed or internet (electronic) order is

received, provided that all applicable premium has been

paid.

Emergency - an unforeseen event that occurs during the

coverage period and makes it necessary to receive

immediate treatment from a licensed physician or to be

hospitalized.

Expiry Date - the date on which your coverage ends under

this insurance as shown on your Declaration Page.

Family Member - includes your spouse; parents; children,

including children who are, or are in the process of becoming

adopted; siblings; grandparents or grandchildren; step-

parent; step-child; or step-sibling; in-laws (parent, son,

daughter, brother or sister, grandparents); aunt; uncle; niece;

nephew; legal guardian; or ward.

Financial Default – a complete suspension of operations by

the promoter or venue due to financial circumstances

whether or not a bankruptcy petition is filed.

ospital - an establishment that is licensed as a hospital and

is operated for the care and treatment of inpatients, has a

registered nurse always on duty, and has a laboratory and

an operating room on the premises or in facilities controlled

by the hospital. Hospital does not mean any 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.

Illness - a sickness, infirmity or disease occurring during the

coverage period that requires emergency medical care,

which did not occur prior to the effective date.

Immediate Family - means your spouse; parent; child

(including all natural or adopted children); your sibling; your

step-parents, step-children, your grandparent or grandchild.

njury - bodily injury occurring during the coverage period,

resulting directly and independently of all other causes, from

an accident.

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Inpatient - a person treated as a registered bed patient in a

hospital or other facility and for whom a room and board

charge is made.

Medical Condition - an accidental bodily injury or sickness

(or a condition related to that accidental bodily injury or

sickness), including disease, acute psychosis and

complications of pregnancy occurring within the first 31

weeks of pregnancy.

Outpatient - someone who receives treatment while not an

inpatient.

hysician - a person (other than an insured) who is not

related to the insured by blood or marriage who is licensed

to prescribe drugs and administer medical treatment (within

the scope of such license) at the location where the

treatment is provided. A physician does not include a

naturopath, a herbalist or a homeopath.

Policy - the entire policy of insurance document containing

the terms and conditions of this insurance and issued to you

by us.

rescription Drug - a drug or medicine that can only be

issued upon the prescription of a physician or licensed

dentist and is dispensed by a licensed pharmacist.

rofessional - engaged in a specified activity as your main

paid occupation.

efund – means:

 cash returned to you by the supplier;

 any credit or voucher for future events you receive

or are entitled to receive from the supplier; or

 any credits, recoveries or reimbursements you

receive or are entitled to receive from your employer,

another insurance company, a credit card issuer or

any other institution.

Sanction - any business or activity that would violate any

Canadian or any other applicable national economic or trade

sanction law or regulations.

eason – means the period of time when the Season/Annual

Pass is valid.

eason/Annual Pass – means an admission to a facility

(such as an amusement park or recreational facility) which is

valid for a season or for a pre-determined period of time, but

for no more than 2 years.

eries Ticket – means a multi-day or multi-event admission

ticket to a series of events such as season tickets for sports

or performing arts, or multiple days to an amusement park or

other recreational facility. A series ticket for a regular sporting

season does not include post-season/play-offs unless

indicated on the Declaration Page.

ngle-Day Ticket – means an admission ticket to an event

for a specific day and time period.

Spouse - the person who is:

 legally married or in a legal civil union with you; or

 is living with you in a conjugal relationship and is

publicly represented as your spouse or your

domestic partner in the community in which you

reside. You may only have 1 spouse for the

purposes of this insurance.

Stable - any medical condition or related condition (including

any heart condition or lung condition) for which all the

following statements for that medical condition or related

condition (including any heart or any lung condition) are true:

 there has been no new treatment or prescribed

medication;

 there has been no change in treatment or change in

prescribed medication (including the amount of

medication to be taken, how often it is taken, the type

of medication or change in treatment frequency or

type);

 there has been no new symptom, more frequent

symptom or more severe symptom;

 there have been no test results showing

deterioration;

 there has been no hospitalization or referral to a

specialist (made or recommended) or the result of

further investigations has not yet been completed.

Ticket Cost – means the total amount paid for the ticket

including any service and handling fees.

rrorism or Act of Terrorism - an act including, but not

limited to, the use of force or violence and/or the threat

thereof, including hijacking or kidnapping, of an individual or

group in order to intimidate or terrorize any government,

group, association or the general public, for religious, political

or ideological reasons or ends, and does not include any act

of war (whether declared or not), act of foreign enemies or

rebellion.

reatment – the medical advice, care and/or service

provided by a physician. This includes, but is not limited to,

diagnostic measures and prescription drugs (including pills

and inhaled or injected medications). It does not include

check-ups or cases where you have no specific symptoms.

e, Us and Our - refers to CUMIS General Insurance

Company.

You and Your - refer to all persons listed on the Declaration

Page under the plan purchased when the required insurance

premium has been paid for that person, before the effective

date.

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What Do You Need to Know?

When does your insurance start?

Your coverage will begin the day your telephone order is

placed or your internet (electronic) order is received and all

applicable premium has been paid.

When does your insurance end?

Your insurance ends as follows:

 for Single-Day Tickets – when the event takes

place, the ticket has been used, or when you have

filed a claim, whichever is earliest.

 for Series Tickets – when the last ticket has been

used.

 For Season/Annual Passes – at midnight 30 days

prior to the expiration of the Season/Annual Pass.

Description of Coverage

Single-Day Ticket Cancellation

ngle-Day Ticket Cancellation Protection reimburses

you for the covered losses you incur when you are unable to

use your Single-Day Ticket due to one or more of the

following Covered Reasons.

OVERED REASONS

Medical Conditions and Death

Any serious injury or any unforeseen serious illness

occurring to:

 you, or your companion. You or your companion

must be examined by a physician within 48 hours of

the cancellation and the physician must advise in

writing that you or your companion not attend the

scheduled event. In absence of a physician’s note

you must provide medical documentation, such as

but not limited to medical records, to substantiate

your claim;

 a family member that is life threatening or requiring

hospitalization as an inpatient. Your family member

must be examined by a physician within 48 hours of

the cancellation; or

 a family member who is dependent upon your care.

Your family member must be examined by a

physician within 48 hours of the cancellation.

The death of you, a family member or a companion, which

prevents you from attending the scheduled event, if the death

occurs on or within 30 days prior to the scheduled event

Pregnancy and Adoption

The pregnancy of you or your companion if such a

pregnancy:

 has been diagnosed after your ticket has been

purchased, and the physician advises in writing that

you or your companion not attend the scheduled

event; or

 the legal adoption of a child by you or your

companion, when the actual date the child is to be

placed in your care is scheduled to take place during

the event and this date was not known until after the

ticket was purchased.

Terrorism

An act of terrorism committed by an organized terrorist group

(recognized as such by the Canadian Government),

occurring within 30 days in the city of your scheduled event.

Employment and Occupation

After your effective date of coverage you, or your companion,

are unable to participate in or attend the event or activity for

which the single-day ticket was purchased for as a result of:

 being terminated or laid off, through no fault of your

own after having been with the same employer for at

least 3 continuous years;

 you, or your spouse, being relocated by your or your

spouse’s current employer to a location that is at

least 160 kilometres from your primary residence;

 being required to serve on a jury or served with a

court order or subpoena, excluding law enforcement

officers who are required to appear in court; or

 being summoned to duty in the case of reservists,

active military, police or fire personnel.

Delays

You or your companion not arriving at the venue due to:

 a delay by the common carrier used for

transportation;

 bei

ng directly or indirectly involved in a traffic

accident en route to a common carrier departure

resulting in you or your companion missing the

scheduled transport to the event and the common

carrier was unable to accommodate you or your

companion on a later departure which would arrive

in time to attend the event.

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OTHER COVERED REASONS

The event is cancelled by the venue or promoter and the

venue or promoter does not reschedule or offer a refund.

You or your companion, are unable to participate in or attend

the event or activity for which the single-day ticket was

purchased for due to:

 having your home made uninhabitable by flood,

burglary, vandalism or natural disaster within 72

hours of the ticketed event;

 being the victim of an indictable criminal assault

within 10 days prior to the scheduled event.

 An indictable criminal assault inflicted by you, a

family member, companion or companion’s family

member is not a covered reason under this

insurance; or

 your or your companion's automobile having a

mechanical breakdown within 48 hours of the event

which results in you being unable to attend the

event.

COVERED BENEFITS

We will reimburse the non-refundable ticket cost, less any

refund or the cost of any common carrier change fees up to

$1,000. Reimbursement will only be made for ticketed

amounts insured through a primary ticket outlet.

Series Ticket Cancellation

Series Ticket Cancellation Protection reimburses you for

the covered losses you incur when you are unable to use 1

or more of your Series Tickets due to 1 or more of the

following Covered Reasons.

OVERED REASONS

Medical Conditions and Death

Any serious injury or any unforeseen serious illness

occurring to:

 you, or your companion. You or your companion

must be examined by a physician within 48 hours of

the cancellation(s) and the physician must advise in

writing that you or your companion not attend the

scheduled event(s). In absence of a physician’s note

you must provide medical documentation, such as

but not limited to medical records, to substantiate

your claim;

 a family member that is life threatening or requiring

hospitalization as an inpatient. Your family member

must be examined by a physician within 48 hours of

the cancellation; or

 a family member who is dependent upon your care.

Your family member must be examined by a

physician within 48 hours of the cancellation.

The death of you, a family member or a companion, which

prevents you from attending the scheduled event(s), if the

death occurs on or within 30 days prior to the scheduled

event.

Pregnancy and Adoption

The pregnancy of you or your companion if such a

pregnancy:

 has been diagnosed after your ticket(s) has been

purchased, and your physician advises in writing that

you not attend the series event; or

 the legal adoption of a child by you or your

companion, when the actual date the child is to be

placed in your care is scheduled to take place during

the series event and this date was not known until

after the ticket(s) was purchased.

Terrorism

An act of terrorism committed by an organized terrorist group

(recognized as such by the Canadian Government),

occurring within 30 days in the city of your series event.

Employment and Occupation

After your effective date of coverage you, or your companion,

are unable to participate in or attend one or more of the

events or activities for which the series ticket was purchased

for as a result of:

 being terminated or laid off, through no fault of your

own after having been with the same employer for at

least 3 continuous years;

 you or your spouse being relocated by your or your

spouse’s current employer to a location that is at

least 160 kilometres from your primary residence;

 being required to serve on a jury or served with a

court order or subpoena, excluding law enforcement

officers who are required to appear in court; or

 being summoned to duty in the case of reservists,

active military, police or fire personnel.

Delays

You or your companion not arriving at the venue due to:

 a delay by the common carrier used for

transportation;

 being directly or indirectly involved in a traffic

accident en route to a common carrier departure

resulting in you or your companion missing the

scheduled transport to the event and the common

carrier was unable to accommodate you or your

companion on a later departure which would arrive

in time to attend the event.

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OTHER COVERED REASONS

The series event is cancelled by the venue or promoter and

the venue or promoter does not reschedule or offer a refund.

You or your companion, are unable to participate in or attend

one or more of the events or activities for which the series

ticket was purchased for due to:

 having your home made uninhabitable by flood,

burglary, vandalism or natural disaster within 72

hours of the ticketed event;

 being the victim of an indictable criminal assault

within 10 days prior to the series event. An indictable

criminal assault inflicted by you, a family member,

companion or companion’s family member is not a

covered reason under this insurance; or

 your or your companion's automobile having a

mechanical breakdown within 48 hours of the event

which results in you being unable to attend the

event.

COVERED BENEFITS

We will reimburse the non-refundable ticket cost less any

refund, or the cost of any common carrier change fees up to

an overall benefit maximum of $1,000 per series package.

Reimbursement will only be made for ticketed amounts

insured through a primary ticket outlet.

Season/Annual Pass Cancellation

Season/Annual Pass Cancellation Protection reimburses

you for the covered losses you incur when you are unable to

use your Season/Annual Pass for at least 30 consecutive

days due to one or more of the following Covered Reasons.

OVERED REASONS

Medical Conditions and Death

Any serious injury or any unforeseen serious illness

occurring to:

 you, or your companion, which results in your being

unable to use the Season/Annual Pass for at least

30 consecutive days. You or your companion must

be examined by a physician within 48 hours of the

cancellation and the physician must advise in writing

that you or your companion not participate in or

attend the event or activities that the Season/Annual

Pass was purchased for;

 a family member that is life threatening or requiring

hospitalization as an inpatient for at least 30

consecutive days. Your family member must be

examined by a physician within 48 hours of the

cancellation; or

 a family member which requires you to provide

primary care to that person for at least 30

consecutive days. Your family member must be

examined by a physician within 48 hours of the

cancellation.

The death of you or a companion, which prevents you from

participating in or attending the event or activities for which

the Season/Annual Pass was purchased for at least 30

consecutive days.

Pregnancy and Adoption

The pregnancy of you or your companion if such pregnancy:

 is diagnosed after your pass was purchased, and

your physician advises in writing that you not

participate in or attend the event or activities for

which the Season/Annual Pass was purchased for

at least 30 consecutive days; or

 the legal adoption of a child by you or your

companion, when the actual date the child is to be

placed in your care was not known until after the

pass was purchased, and you will not be able to

participate in or attend the event or activities for

which the Season/Annual Pass was purchased for

at least 30 consecutive days.

Terrorism

An act of terrorism committed by an organized terrorist group

(recognized as such by the Canadian Government),

occurring in the city applicable to your annual pass, resulting

in you being unable to participate in or attend the event or

activities for which the Season/Annual Pass was purchased

for at least 30 consecutive days.

Employment and Occupation

After your effective date of coverage you, or your companion,

are unable to participate in or attend the event or activities

for which the Season/Annual Pass was purchased for at

least 30 consecutive days as a result of:

 being terminated or laid off, through no fault of your

own after having been with the same employer for at

least 3 continuous years;

 you or your spouse being relocated by your or your

spouse’s current employer to a location that is at

least 160 kilometres from your primary residence;

 being required to serve on a jury or served with a

court order or subpoena and the jury service or court

appearance lasts for 30 consecutive days, excluding

law enforcement officers who are required to appear

in court; or

 being summoned to duty in the case of reservists or

active military, police or fire personnel.

THER COVERED REASONS

You or your companion, are unable to participate in or attend

the event or activities for which the Season/Annual Pass was

purchased for at least 30 consecutive days due to

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 having your home made uninhabitable by flood,

burglary, vandalism or natural disaster;

 being the victim of an indictable criminal assault. An

indictable criminal assault inflicted by you, a family

member, companion or companion’s family member

is not a covered reason under this insurance; or

 your or your companion's automobile having a

mechanical breakdown which results in you being

unable to attend the event.

COVERED BENEFITS

We will reimburse the pro-rated cost of the unused portion of

the Season/Annual Pass, less any refunds up to the overall

benefit maximum of $1,000. For Season/Annual Passes

which are valid for a fixed calendar period, reimbursement

will be calculated based on the first day of the season,

regardless of the actual date you purchased the

Season/Annual Pass.

Reimbursement will only be made for ticketed amounts

insured through a primary ticket outlet.

Lost or Stolen Ticket Replacement Coverage

We will reimburse you up to $1,000 for penalties or fees

charged by the venue for reissuing a lost or stolen ticket. Any

penalties or fees charged for changes in ticket grades

(upgrades, etc.) are not covered. Reimbursement will only be

made for ticketed amounts insured through a primary ticket

outlet.

Change Fee Coverage

Some venues permit you to change the date of your ticket. If

you change the date of your ticket for a Covered Reason, we

will reimburse you up to $1,000 for the change fee imposed

by the venue. Reimbursement will only be made for ticketed

amounts insured through a primary ticket outlet.

General Limitations, Conditions

and Exclusions

Your insurance coverage is subject to the terms set out as

follows in this document.

General Conditions and Limitations

1. All premiums, benefit maximums and benefit payments

are stated in Canadian dollars unless otherwise

specified. At our option, we may pay a claim for benefits

in the currency where the loss occurred or in Canadian

currency.

2. 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 Quebec Civil Code.

3. No agent or other person has authority to accept or make

representations of information or alter, modify or waive

any of the provisions of this Policy.

4. You must submit claims to Allianz Global Assistance

within 90 days from date of loss. If applicable law

provides for a longer period, you must submit your claim

within the longer period provided for by law. For your

claim to be valid, you must provide all of the documents

we require to support your claim.

5. If your event tickets are covered under another Policy

issued by us that provides the same or similar coverage,

we will adjust your claim by applying the terms and

conditions of the coverage that pays the most. The

amount we pay will not exceed your total monetary loss.

6. We may void this Policy in the case of fraud or attempted

fraud by you or if you conceal or misrepresent any

circumstance or fact that is material. In this instance no

refund of premium shall be made.

7. You must repay to us amounts paid or authorized for

payment on your behalf, if we determine the amount is

not payable under this insurance.

8. If you incur losses covered by this insurance because of

a third party, we may take legal action against that party

at our expense. We have full rights of subrogation. You

agree to allow us to fully assert our right to subrogation

and to cooperate fully with us by delivering such

documents. You agree to do nothing that would

prejudice our rights to recover funds from any source.

9. Notice of Statutory Conditions - Notwithstanding any

other provision herein contained, this contract is subject

to the statutory conditions in the Insurance Act

respecting contracts of accident insurance. This

condition does not apply to the province of Quebec.

ENERAL EXCLUSIONS

These exclusions apply to all benefits. This insurance

provides no payment for any loss arising directly or indirectly

out of or as a result of the following:

1. Pre-Existing Conditions:

a) Any injury occurring to you, your companion, or your

family member during the 90 days prior to and

including your effective date of coverage;

b) Any illness occurring to you, your companion, or

your family member during the 90 days prior to and

including your effective date of coverage for which:

 medical examination or treatment by a physician

has been sought or advised or for which

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symptoms exist which would cause a reasonable

person to seek diagnosis, care or treatment; or

 require taking prescribed drugs or medicine

unless the illness remains stable;

2. Intentionally self-inflicted harm, suicide or attempted

suicide (whether sane or insane);

3. Except as specifically provided for under Pregnancy and

Adoption, routine pre-natal care, fertility treatments,

elective abortion, complications of your pregnancy when

they occur in the 9 weeks before or after the expected

date of delivery;

4. M

ental, nervous or emotional disorders that do not

require immediate hospitalization;

5. Abuse of any medication or non-compliance

with prescribed medical treatment or therapy;

6. A

ny injury or accident occurring while you are under the

influence of illicit drugs or alcohol (where the

concentration of alcohol in your blood exceeds 80

milligrams of alcohol in 100 millilitres of blood) or when

you illustrate a visible impairment due to alcohol or illicit

drugs;

7. Wa

r (whether declared or undeclared), acts of war,

military duty, civil disorder or unrest; terrorism or act of

terrorism (unless specifically covered);

8. N

uclear reaction, radiation or radioactive contamination;

9. Epidemic or Pandemic;

10. Biological or chemical contamination;

11. Seepage, pollution or contamination;

12. Financial collapse or default of any transport, tour or

accommodation provider and/or any other service

providers;

13. A

ny unlawful acts committed by you, family members, or

companions, whether they are insured or not;

14. P

rohibition, regulation or order by any government

agency;

15. Cosmetic or any other elective surgery;

16. Organ harvesting surgery;

17. F

inancial default;

18. C

ancellation due to lost or stolen tickets;

19. N

atural disasters (unless as specifically covered);

20. Yo

u or your companion, after the effective date:

a) making changes to personal plans;

b) having a business or contractual obligation;

c) rescheduling a prior appointment.

21. Any expected or foreseeable events;

22. Y

our travel to a country, region or city for which the

Canadian government has issued a travel advisory in

writing prior to your departure date. or

23. Y

our travel to a sanctioned country for any business or

activity to the extent that such cover would violate any

applicable national economic or trade sanction law or

regulations;

Claim Filing Procedures

Please contact Allianz Global Assistance at the phone number

listed on your Declaration Page or visit

www.allianzassistanceclaims.ca to obtain a claim form.

If you have any questions about your claim, please contact

Claims@allianz-assistance.ca.

All benefits will be paid in Canadian dollars unless otherwise stated.

If currency conversion is necessary, we will use the exchange rate

on the date the last service was rendered to you.

This insurance will not pay for any interest.

Information to Submit When Filing a Claim

As a condition to the payment of benefits under this

insurance, we will require 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:

 Original unused tickets, copies of invoices, proof of

payments, and other documents that substantiate

the cost or occurrence of the event ticket or season

pass cancellation.

 Proof of the injury, illness or hospitalization resulting

in your missing the ticketed event.

 Documentation of refunds received from the venue

or promoter.

 Copy of the venue or promoter’s literature that

describes penalties.

 Documentation from the venue or promoter stating

the non-refundable amounts of the ticket(s) costs.

 A copy of the death certificate in the event of a death.

 The completed claim form supplied to you by us.

You must submit all claims to Allianz Global

Assistance within 90 days from date of loss.

Failure to complete the required claim form in

full will delay the assessment of your claim.

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Privacy Information Notice

CUMIS General Insurance Company (the “insurer”) and the

insurer’s insurance administrator, Allianz Global Assistance,

and the insurer’s agents, representatives and reinsurers (for

the purpose of this Personal Information Notice collectively

“we” “us” and “our”) require personal information including:

• details about you including your name, date of birth,

address, telephone numbers, e-mail address,

employer, and other identification

• medical records and information about you

• records that reflect your business dealings with and

through us

This personal information is collected for the following

insurance purposes when offering and providing insurance

and related services:

• T

o 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 investigate 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.

e only collect personal information necessary for insurance

purposes from individuals who apply for insurance, from

Certificate or Policy holders, insureds and claimants. In some

cases we also collect personal information from members of

a Certificate or Policy holder’s, insured’s or claimant’s family

or their friends when they are unable, for medical or other

reasons, to communicate directly with us. We also collect

and disclose information for the insurance purposes from, 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 of the insured, Certificate or Policy holder or

claimant. We may also use and disclose information from our

existing files for the insurance purposes. Our employees who

require this information for the purposes of their duties will

have access to this file.

pon your request and authorization, we may also disclose

this information to other persons.

rom 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”).

hen an individual applies for, purchases, or is covered by

one of our insurance policies or submits a claim for insurance

benefits, he or she is presumed to consent to the personal

information practices described in this notice. If an individual

does not wish to have their personal information used for the

optional purposes they need only notify Allianz Global

Assistance. A person may decline to have their information

collected, used or disclosed for the insurance purposes but

in that instance we will likely be unable to provide insurance

and related services.

Personal information is maintained in the Certificate or Policy

holder’s, insured’s or claimant’s file that we establish and

maintain in the offices of Allianz Global Assistance. 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. 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.

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.

ndividuals 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:

ivacy Officer

Allianz Global Assistance

700 Jamieson Parkway

Cambridge, ON

N3C 4N6

Canada

For a complete copy of our Privacy Policy please visit

www.allianz-assistance.ca.

Questions?

t Us Know

If you have any questions or concerns about our products,

services, your Policy, or claim please feel free to contact

Allianz Global Assistance anytime:

Toll Free: 1-866-520-8823

Collect: 1-519-742-9013

Email: questions@allianz-assistance.ca