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• Covers eligible emergency medical expenses incurred outside of your province or territory in excess of what is covered by a Canadian provincial and territorial Government Health Insurance Plan (GHIP) or any other health insurance plans you may have that provides out-of-province or out-of-country coverage and benefits.
• Not a substitute for coverage and protection under your Canadian provincial and/or territorial GHIP but an excess payor of all other coverages applicable to an emergency occurring outside your province or territory.
• The premium for this coverage is not taxable.

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