Information Guide BMO CashBack® World Elite®* Mastercard®*

BMO Cardholder Agreement

and Benefit Coverages
 BMO Mastercard Cardholder Agreement 1

BMO CashBack World Elite Travel and

Table of Medical Protection Certificate of Insurance 14

contents CashBack Rewards Terms and Conditions 49

BMO Mastercard BMO Roadside Assistance

(Basic Coverage) Terms and Conditions 52
BMO Mastercard
Cardholder Agreement
 1. About some of the words in this agreement 3
2. Using your card and cheques 4
3 . Digital/mobile and contactless payments 5
4. BMO Alerts 5
6. Other card benefits and services 5
7. Your credit limit 6
8. Your responsibility for the total debt 6
10. Fees we charge 7
11. Foreign currency transactions 7
12. Promotional interest rates and balance transfers 7
13. Installment plans 7
14. Payments 7
15. Interest on cash advances, installment plans,
Table of purchases and fees 8
16. How we calculate interest 9
contents 17. Estimated time to repay 9
18. If you have a problem with a merchant 9
19. Limitations on our liability 9
20. Your account statements and notices 9
21. Pre-authorized payments to merchants 10
22. Cancellation of your card 10
23. Clause required under the Consumer Protection Act (Quebec) 10
24. Changes to this agreement 11
25. Assigning this agreement 11
26. French Language Clause 11
27. Clause required under the Consumer Protection Act (Quebec) 11
28. Your personal information 12
29. How to contact us and complaint resolution 13

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Your BMO Mastercard cardholder agreement
We appreciate you choosing a BMO credit card. This agreement is between you and us
in relation to your account and card. It also applies to any renewal or replacement of
your card.
This agreement has important information about your account and card. Please read this
agreement carefully and keep it to refer to later. It replaces any other agreements we may
have sent to you. When you sign, activate or use your card, cheques or account, it means
that you have received, understood and agree to all the terms of this agreement. If you do
not activate your account and call us to let us know you no longer want the account (see
Section 29 for contact details), you won’t be bound by this agreement if there are no charges
or fees on the account. If your account is closed, you must destroy your card and cheques.

1. About some of the words in this agreement

• account means a BMO account set up in the name of the primary cardholder
• additional cardholder means each person we have issued a card to on the primary cardholder’s
account, at the primary cardholder’s request
• additional card means a card we have issued to an additional cardholder
• agreement means the most recent terms and conditions of this cardholder agreement, the card
carrier and any other terms or notices that we may provide to you related to the card and your
account
• balance due means the amount shown on your account statement as the balance due, which is the
balance you owe as of the statement date. Your balance due does not include any installment plan
payments not yet due
• card means a BMO credit card(s) and any renewals or replacements that we issue and any other
payment device we provide you to enable you to use the account
• card carrier means the documents you receive with your card including an information box that
provides important information about your account, such as your credit limit, interest rates, minimum
payment and fees
• cash advance means an advance of money from us that is charged to the account. We treat cash-like
transactions, balance transfers and purchases using cheques the same as cash advances
• cash-like transactions mean transactions involving the purchase of items that are similar to and/
or can be converted into cash. Cash-like transactions include but are not limited to: wire transfers,
money orders, travellers cheques, casino gaming chips and gaming transactions (including betting,
off track betting, race track wagers, and lottery tickets)
• cheques mean BMO credit card cheques that we may provide from time to time at the request of the
primary cardholder
• good standing means you are in compliance with this agreement
• grace period means the number of days between the date of your account statement and the
payment due date shown on your account statement
• installment plan means the defined repayment of a balance over a set duration of monthly
payments. Your balance owed is moved from your account’s purchase category to the installment
plan. You may have several installment plans active at the same time
• installment plan interest means the interest we charge each month for each installment plan
• installment plan monthly fee means the fee we charge each month for each installment plan
• installment plan total monthly payment means the amount you must repay each month if you have
an installment plan and is made up of the monthly principal amount(s) plus installment plan monthly
fee(s) or interest due that statement. This amount will be added to the minimum payment due on
your monthly account statement for the duration of the plan
• network is the payment card network identified on the front of your card

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• new installments means the amount shown on your monthly statement as new installments and is
the amount that you have put on an installment plan during that statement cycle
• payment due date means the date on your account statement on which payment of the minimum
payment is due
• personal information includes information you provided to us or information we collected from other
sources about you, such as your name, address, age, financial data, Social Insurance Number, or
employment records, and other information that could be used to identify you
• purchase exchange rate means the rate we pay to the network on the date the transaction is posted to
the account plus the markup percentage shown on the card carrier or in any notice we may provide you
• PIN means personal identification number
• primary cardholder means the person who applied for a card and in whose name we opened an
account
• purchase means an advance of money from us charged to the account that equals the amount you
paid for goods or services by using your card
• refund exchange rate means the rate we pay to the network on the date the refund is posted to the
account, minus the markup percentage shown on the card carrier or in any notice we may provide you
• total balance means the amount shown on your account statement as the total account balance, which
is the balance you owe as of the statement date plus any installment plan payments not yet due
• total debt means the total of all purchases, cash advances, interest charges and fees and any other
amounts that may be charged to the account under this agreement
• total installment not yet due means the installment plan(s) monthly principal amount to be paid in
future payments
• transaction means any purchase, cash advance, interest charge, fee, payment, credit or debit
adjustment and any other amounts that may be charged to the account
• you and your mean the primary cardholder and any additional cardholders
• we, our and us mean Bank of Montreal
There are certain terms outlined in this agreement that have equivalent definitions in Quebec (as
required by the Quebec Consumer Protection Act). We have outlined them below:

Terms used in Cardholder Corresponding meaning under the Consumer Protection Act
Agreement (Quebec)
Credit Limit Credit Extended
Interest Charges Credit Charges
Annual Interest Rate Credit Rate
Interest-free Grace Period Period given to pay outstanding amounts without having to pay credit
charges, except as regards money advances
Minimum Payment Minimum periodic payment required
Annual Fees ; Other Fees There may be other charges under this Agreement that we disclose
to the Borrower, including fees for returned payments, duplicate
statements, cash advances, cash-like transactions, bill payments,
cheques, redemptions, inactive accounts, among others.

2. Using your card and cheques

You must sign your card as soon as you receive it. You must not use your card after the expiry date
shown on your card. Your card is to be used as a personal credit card product, and is not to be used for
business purchases.
You can make a purchase or get a cash advance by using your card, writing a cheque or in any other
ways we allow. You authorize us to charge the amount of any purchases or cash advances you make
to the account. You must not use your card or cheques to get a cash advance from a merchant. If you
make a purchase or get a cash advance by providing your card number without presenting your card
(for example, by mail, telephone, internet, mobile or any other electronic method), we’ll treat the
transaction the same as if you had used your card and signed a purchase or cash advance slip.

4 Information Guide
You may only use your card and cheques as allowed in this agreement.
You must not use your card or account for any illegal purpose, including buying any goods or services
prohibited by law. We may monitor unusual transactions for security reasons.

3 . Digital/mobile and contactless payments

This agreement applies to all types of transactions on your card or account, including contactless
transactions and any transactions using a digital or mobile wallet (example: Apple Pay or Google Pay).
BMO and/or participating merchants may, in their discretion, establish a maximum dollar limit from time
to time for a single contactless or digital or mobile transaction. As a result, you may need to use your
physical card to complete a transaction if you exceed these limits, even if your account is in good standing.

4. BMO Alerts
Once your new credit card is activated, you will automatically be enrolled in BMO alert notifications
to notify you when a payment is due, when there is a security concern with your card, when you are
approaching the credit limit on your card, and when you have had a transaction declined. Messages will
be sent to the email address or mobile number (text message) you provided on your application. You
can manage your alert subscriptions through Online Banking or the Mobile Banking Application.
You may receive an alert when your available credit falls below the threshold you designate in Online
Banking or the Mobile Banking app, or $100, if you do not choose an amount. You may not receive the
alert before exceeding the credit limit, and therefore, may incur fees.
If you are enrolled in BMO Alerts and you dispose of your mobile device, you are responsible for
notifying us of the change, and deleting the device as a delivery method for BMO Alerts if you have
previously subscribed for app notifications.
BMO Alerts are provided as a convenience to you for information purposes only. You are responsible for
all fees charged by your mobile device service provider including standard messaging and data charges.
You agree that we are not liable to you for any loss or claim that may arise as a result of BMO Alerts
sent to you. BMO Alerts may not be available for use outside of Canada.
You are responsible for informing us of any changes made to your contact information and ensuring
that the email address or mobile number provided for the purpose of receiving BMO Alerts are accurate
and up to date at all times. Alerts may be delayed or prevented because of a variety of factors. We
do our best to provide alerts in a timely manner and with accurate information. We do not guarantee
the delivery or the accuracy of the contents of any alert. By using alerts, you agree that we will not be
liable for any of the following:
(i) any delays, failure to deliver, or misdirected delivery of any alert;
(ii) for any errors in the content of an alert; or
(iii) for any actions taken or not taken by you or any third party in reliance on an alert.
You agree that a BMO Alert does not constitute a bank record for an account. You are responsible for
monitoring all account activity.
If you are enrolled in BMO Alerts, as either a primary or additional cardholder, you will receive alerts
for transactions conducted on all cards linked to the account. If cardholders are enrolled for BMO Alerts,
they will receive alerts for transactions you may have conducted as either a primary or additional
cardholder.
Learn more at bmo.com/alerts
5. Ownership of the card and cheques
Your card and cheques belong to us. You are the only person permitted to use your card and cheques
and you can’t transfer them to anyone else.

6. Other card benefits and services

If any extra benefits or services are added to your card, we’ll send you separate terms and conditions
relating to those extra benefits and services. We may change or withdraw any card benefit or service
at any time without telling you in advance. If you reside in Quebec, notice of any change or withdrawal
will be provided in accordance with the applicable terms and conditions relating to those extra benefits
and services.
You may receive information about other products and services offered by us or selected third parties,
including our affiliates. We are responsible only for products and services that we offer.

BMO Mastercard Cardholder Agreement 5

7. Your credit limit
Your credit limit is provided on your card carrier and on your account statement. The credit limit applies
to the account, even if there is more than one card issued on the account.
Occasionally, we may offer the primary cardholder the opportunity to increase the credit limit. We will
need to obtain the express consent of the primary cardholder before increasing the credit limit. We may
reduce the credit limit at any time without telling you in advance. You do not have the right to exceed
the credit limit. Unless you reside in Quebec, if you exceed the credit limit, you will pay the over limit
fee set out in the card carrier or in any notice that we provide to you.

8. Your responsibility for the total debt

You are responsible for and must pay the total debt. This applies whether or not you incurred the total
debt, whether or not the total debt exceeds your credit limit, and regardless of how the total debt was
incurred. You must not use the account, or any other credit card account with us, to pay all or any part
of the total debt. If you are an additional cardholder then, despite anything else in this agreement, and
regardless of when you received your card you are not responsible for paying the total debt if either:
(a) we opened the account on or after October 1, 2012, or
(b) we opened the account before October 1, 2012, but we have told the primary cardholder in writing
that the additional cardholders on the account are not responsible for paying the total debt.
The term “Authorized users” refers to additional cardholders who are not responsible for paying the
total debt. Authorized users cannot give us instructions about the account, such as issuing new cards or
changing the credit limit.
If you are an additional cardholder, and neither (a) or (b) applies to you, you are responsible for paying
the total debt individually and together (solidarily responsible in Quebec) with the primary cardholder
and other additional cardholders.
The term “co-borrowers” refers to additional cardholders who are responsible for paying the total debt.
As a co-borrower you are not responsible for paying any part of the total debt that accumulates after
you tell us in writing that you are cancelling your card.
You expressly consent to us communicating information about you and your account to additional
cardholders, whether or not they are responsible for the debt, and to contact additional cardholders for
the purposes of communicating such information.
9. Your responsibility for lost, stolen or misused cards
Safeguarding the use of your PIN, card and account
You must keep your account secure. You must take reasonable care to safeguard your card, PIN, account
information and cheques against loss, theft or misuse.
To safeguard your PIN:
• you must not voluntarily disclose your PIN
• you must keep your PIN confidential and separate from your card
• you must not write your PIN on your card
• you must not choose a PIN selected from your name, date of birth, telephone numbers, address or
social insurance number.
If you do not properly safeguard your PIN you may be liable for unauthorized transactions on your
account.
You must not allow any person other than a cardholder to use a card, cheque or the account. If this
happens, you will be liable for all resulting transactions and any interest, fees and losses incurred, even
if the other person was a minor or did not comply with any limitations you placed on their use of the
card or account.
Unauthorized use and liability
You must notify us by telephone immediately about any actual or suspected loss, theft or unauthorized
use of any card, PIN, cheque or account information for the account. You may contact us as set out in
Section 29. We may take whatever steps that we consider necessary to recover any affected card and,
additionally, may report the loss, theft or unauthorized use to the appropriate authorities.
In general, your maximum liability for the loss, theft or unauthorized use of any card, PIN, cheque
or account information for the account is $50 per transaction unless you have demonstrated gross

6 Information Guide
negligence or, in Quebec, gross fault, in safeguarding those cards, PINs, cheques or account information
for the account.
If someone uses your card or account without your authorization, you will not be liable for such
unauthorized use if you meet all of the following criteria:
• you did not contribute to the unauthorized use
• you used reasonable care to safeguard your card and PIN; and
• you notified us by telephone (see Section 29 for contact details) immediately after you learned of the
loss, theft or misuse of your card or cheques, or after you suspected that someone else knows your PIN.
If you report to us that your card, a PIN, a cheque or any account information for the account has been
lost or stolen or is otherwise at risk of being used in an unauthorized manner, you will not be liable
for any unauthorized use of the card, a PIN, a cheque or any account information for the account by
someone else after the report is received by us.
You agree to cooperate and help us with any investigation that we initiate into unauthorized use you
report before we will consider reimbursing you for any losses. This cooperation may include filing a
report with law enforcement authorities.

10. Fees we charge

We will charge the account with the applicable fees shown on the card carrier or in any notice we
provide you.

11. Foreign currency transactions

Exchange Rate
We convert foreign currency transactions to the currency of your card as described in the card carrier.
The purchase exchange rate may not be the same as the rate that was in effect on the transaction date
Refunds
If you have a Canadian dollar card and a foreign currency transaction is refunded to the account,
we convert the transaction to Canadian dollars. If you have a U.S. dollar card and a transaction in
a currency other than U.S. dollars is refunded to the account, we convert the transaction amount
to U.S. dollars. The conversion is calculated at the refund exchange rate on the date the refund is
posted to the account. The refund exchange rate may not be the same as the rate that was in effect
on the date the transaction was refunded. The difference between the purchase exchange rate and
the refund exchange rate means that the amount credited to the account for a refund of a foreign
currency transaction will in most cases be less than the original amount charged to the account for the
transaction.

12. Promotional interest rates and balance transfers

Occasionally, we may offer you time-limited promotional interest rates on new qualifying transactions
related to balance transfers, installment plans, cheques, cash advances and/or purchases. The promotional
interest rates will only apply if the account remains in good standing and you do not exceed the credit limit
at any time. When a promotional interest rate ends, your standard interest rate will apply. Promotional
offers will also be subject to any additional terms that we set out in the offer.

13. Installment plans

Installment plans allow eligible cardholders to repay specific eligible amounts over a defined
repayment schedule. Access to an installment plan is governed by the terms of this Cardholder
Agreement and subject to additional terms and conditions available at bmo.com/paysmart.

14. Payments
(a) Your minimum payment
You may pay your account balance in full at any time; however, you must make sure that we
receive at least your minimum payment on or before the payment due date shown on your
account statement. Your minimum payment calculation is described in the card carrier or in
any notice we may provide to you. If your payment due date falls on a weekend or a holiday
in the Province or Territory where our records show you live, a payment received by us on the
next business day following such payment due date will be considered to have been paid on

BMO Mastercard Cardholder Agreement 7

 time. If your statement address is outside Canada, we will use the Federal holidays of Canada
to determine whether your payment will be considered to have been paid on time.
(b) Payment methods
You may pay your account by cheque, bill payment, pre-authorized debit or transfer. Please
review the back of your statement for more details. If you pay by cheque or bill payment,
you must allow enough time to process your payment. If you register your account for pre-
authorized debit, you must make sure the funds are available in your bank account on the due
date shown on your account statement. If you make a payment using the option to internally
transfer funds from a BMO account to your credit card account, your available credit will be
updated immediately, but the payment may not be posted to your BMO credit card account
and your balance may not be updated for up to two business days. In some cases where you
make a payment at the end of your billing cycle, your balance may not be updated until your
next statement.
(c) How we apply payments to your account
When we receive a payment, we use the money first to pay off the minimum payment
amount appearing on your account statement in the following order:
−first, to any total monthly installment plan payments due;
−second, to any interest that appears on your account statement;
−third, to any fees that appear on your account statement including, but not limited to, annual card
fees, and cash advance fees;
−fourth, to credit card balance insurance premiums that appear on your account statement;
−fifth, to any transactions that appear on your account statement;
−sixth, to any fees which have not yet appeared on your account statement; and
−seventh, to any transactions which have not yet appeared on your account statement.
Your payment will be applied to balances within each of the above categories beginning with
the lowest interest rate item(s) within the category and continuing to the highest interest rate
item(s) within the category.
If you pay more than the minimum payment due, we will apply that excess amount of your
payment to the remaining balance on your account statement, as follows:
−first, all items that have the same interest rate will be placed into the same category;
−second, we will allocate the amount of your payment that is in excess of your minimum payment
amount to the different interest rate categories in the proportion that the amount in each category
represents of the remaining balance.
For example, if your purchases represent 60% of your remaining balance and your cash
advances represent 40% of your remaining balance, we will apply 60% of your excess payment
towards your purchases and 40% of your excess payment towards your cash advances.
If you pay more than your balance due on your account statement, the excess payment will
be applied to transactions that have not yet appeared on your monthly statement, using the
same payment allocation described above, and then to any installment plans on your account
in order of plan expiry.
(d) Returns and chargebacks
In case of returns and chargebacks, credits will be allocated according to the payment
allocation described above. Credits may be applied to the installment plan if there are no
other charges on your account. You may choose to cancel your installment plan at any time.

15. Interest on cash advances, installment plans, purchases and fees

We calculate interest on cash advances from the date of the cash advance until the date we receive
payment in full. There is no grace period for cash advances. If you choose to create an installment plan,
interest, if applicable, will be charged on that installment plan at the interest rate you agreed to in the
relevant terms and conditions.
We don’t charge interest on purchases, installment plans and fees appearing on your account statement

8 Information Guide
for the first time if you pay your balance due in full (or the total balance for installment plan customers
residing in Quebec) within the grace period set out in your card carrier or in any notice we provide to
you. Otherwise, interest charges on those purchases, installment plans and fees will appear on your next
monthly statement. We will charge interest retroactively from the date of the purchase, installment plan
conversion (for Quebec customers) or fee until the date we receive payment in full.

16. How we calculate interest

The interest rates we charge are:
• the annual cash advance and purchase interest rates shown on the card carrier or any notice we
provide to you;
• any installment plan interest rates that we may provide to you; or
• any promotional interest rates that we may provide to you.
Your account statement shows your annual and daily interest rates. If you do not make a minimum
payment by the due date two times in any twelve month period, your interest rate will increase as
shown on the card carrier or any notice we provide to you. The amount of interest we charge you on
each account statement is calculated as follows:
• first, we determine your average daily balance by adding the interest-bearing amount you owe each
day and dividing that total by the number of days in the statement period
• next, we determine the daily interest rate by dividing the annual interest rate by the number of days
in a year.
• Your interest charge is then calculated by multiplying the average daily balance by the daily interest
rate by the number of days in a statement period.
If different interest rates apply to categories of transactions (such as purchases, installment plans, cash
advances, balance transfers), we calculate the interest charge based on the average daily balance for
each rate. Your account statement shows the interest charges for each category. If your interest rate
changes during a statement period, we calculate interest using the rate in effect at the end of that
period. We add your interest charge to your balance at the end of the statement period. As a result, we
charge interest on unpaid interest.

17. Estimated time to repay

In calculating the number of years and months required to repay an account balance shown on an account
statement if you pay only the minimum payment due each month on the payment due date, we assume
that the current annual interest rate for purchases will apply throughout the repayment period. We also use
such other assumptions as are required or permitted by applicable law.

18. If you have a problem with a merchant

We are not responsible for any problem you have with a merchant or if a merchant does not accept
your card or cheques. Even if you have a problem with a merchant, you are still responsible for the
total debt. You must settle any problems you have directly with the merchant. If a merchant gives
you a refund and we receive a credit note from the merchant, we will credit it to the account on the
day we receive it. A merchant refund is not counted towards the minimum payment required by this
agreement.

19. Limitations on our liability

We try to ensure that you can always use your card. Occasionally, however, you may not be able
to do so because of systems or communication problems involving a merchant, the network or us.
We may also block use of your card or a particular type of transaction for any reason and without
telling you, including in cases where we suspect unauthorized or fraudulent use of the card. Under no
circumstances are we liable to you if you cannot use your card.

20. Your account statements and notices

We’ll provide account statements and notices to the primary cardholder and any co-borrowers who ask
for copies. We will provide this information by mail to the addresses in our records unless both parties
agree on another method.
Account statements will be sent monthly. However, if you have a monthly outstanding balance of less
than $10 and no payments or transactions have been posted to the account and no interest or fees
have been charged to the account, we will provide you with an account statement every three months.

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AgreementAgreement 9
We will not provide an account statement for any statement period during which there have been no
transactions and there is no outstanding balance at the end of the period, or your account has been
suspended or cancelled due to default and we have demanded repayment of the total debt.
You must contact us (see Section 29 for contact details) of any mistakes or missing information in your
account statement no later than 30 days after your account statement date. If you don’t contact us,
you agree that your account statement is correct, except for any amount we applied incorrectly to the
account, which we may reverse at any time. If we can’t send your account statement on time for any
reason, such as a mail strike, you must contact us (see Section 29 for contact details) at least once a
month to get the information you need to continue making your payments as required.
If your account statement or notice is returned to us because of an incorrect address, we won’t send
you any more account statements or notices, and we may not allow you to use the account until you
give us your correct address. It’s your responsibility to update us if your address changes.

21. Pre-authorized payments to merchants

You are responsible for any pre-authorized payments charged to the account, even after you or we
cancel the account. If you wish to discontinue these payments you must contact the merchant in
writing to cancel any pre-authorized payments, and review your monthly statements to ensure that
the payments have been discontinued. If the merchant continues to charge your account despite your
instructions to cancel the pre-authorized payments, we may be able to assist you if you provide us with
a copy of the written notice you gave the merchant, along with any other information that we may ask
for.
You are responsible for giving your new account number or expiry date to merchants with whom
you have pre-authorized payment arrangements. In addition, the network may make available an
automatic biller update (ABU) service to merchants. If a merchant registers for the network’s ABU
service, the merchant will automatically receive details of your new account number so that your
automatic bill payments continue.
If you do not want us to provide your card updates through the network’s ABU, please call us (see
Section 29 for contact details). It may take up to 60 days for your opt out to request to take effect.

22. Cancellation of your card

How you can cancel your card:
The primary cardholder may close their account or cancel their card or any additional cards at any time
by calling us (see Section 29 for contact details). If the primary cardholder cancels their card, we will
also cancel all additional cards associated with the account.
How we can cancel your card:
We may do any of the following, at any time, without telling you in advance:
• cancel any card on the account
• cancel your rights and privileges related to your card
• close the account
• require you to immediately destroy your card and cheques
If we cancel your card, withdraw your rights and privileges, or close the account:
• we may refuse to honour cheques you write before or after cancellation, withdrawal or closure
• we may seize your cards and cheques
• you may not use your card, cheques or account
• you must destroy your card and cheques
• you must pay the total debt immediately. If you don’t, we may apply any money you have on deposit
with us or any of our affiliates against the total debt
• you must pay the legal fees and expenses we incur to recover amounts you owe us
• you must cancel all pre-authorized merchant payments from the account.

23. Clause required under the Consumer Protection Act (Quebec)

(Clause of forfeiture of benefit of the term)
Before availing himself of this clause, the merchant must forward the consumer a notice in writing and

10 Information Guide
unless he is exempted in accordance with section 69 of the General Regulation, he must forward him a
statement of account.
Within 30 days following the receipt by the consumer of the notice and, where necessary, of the
statement of account, the consumer may:
(a) either remedy the fact that he is in default;
(b) or present an application to the court to have the terms and conditions of payment prescribed in
this contract changed.
It is in the consumer’s interest to refer to sections 104 to 110 of the Consumer Protection Act (chapter
P-40.1) as well as section 69 of the General Regulation made under that Act and, where necessary, to
contact the Office de la protection du consommateur.

24. Changes to this agreement

We can change this agreement at any time. We will post the updated agreement online at bmo.com.
Where applicable, you will be notified of any changes in accordance with law. Your continued use of
your card, cheques or account after we make such changes, means that you understand and agree to
such changes. Any changes we make apply to your account balance at the time we make the change
and to your account balance after we make the change.

25. Assigning this agreement

We can assign this agreement or any of its terms to a third party at any time.

26. French Language Clause

It is the expressed wish of the parties that this agreement and related documents be drawn up in
English. Il est la volonté expresse des parties que cette convention et tous les documents s’y rattachant
soient rédigés en anglais.

27. Clause required under the Consumer Protection Act (Quebec)

(Open credit contract for the use of a credit card)
(1) If the consumer uses all or part of the credit extended to make full or partial payment for the
purchase or the lease of goods or for a service, the consumer may, if the open credit contract
was entered into on the making of and in relation to the sale, lease or service contract, and if the
merchant and the open credit merchant collaborated with a view to granting credit, plead against
the lender any ground of defence urgeable against the merchant who is the vendor, lessor,
contractor or service provider.
The consumer may also, in the circumstances described in the first paragraph, exercise against
the open credit merchant, or against the merchant’s assignee, any right exercisable against the
merchant who is the vendor, lessor, contractor or service provider if that merchant is no longer
active or has no assets in Quebec, is insolvent or is declared bankrupt. The open credit merchant
or the merchant’s assignee is then responsible for the performance of the obligations of the
merchant who is the vendor, lessor, contractor or service provider up to the amount of, as the
case may be, the debt owed to the open credit merchant at the time the contract is entered into,
the debt owed to the assignee at the time it was assigned to him or the payment the open credit
merchant received if he assigned the debt.
(2) A consumer who is solidarily liable with another consumer for the obligations arising from an
open credit contract is released from the obligations resulting from any use of the open credit
account after notifying the merchant in writing that he will no longer use the credit extended and
no longer intends to be solidarily liable for the other consumer’s future use of the credit extended
in advance, and after providing proof to the merchant, on that occasion, that he informed the
other consumer by sending him a written notice to that effect at his last known address or
technological address.
Any subsequent payment made by the consumer must be applied to the debts contracted before
the notice was sent to the merchant.
(3) A consumer who has entered into a preauthorized payment agreement with a merchant under
which payments are made out of credit obtained under a credit card contract may end the
agreement at any time by sending a notice to the merchant.
On receipt of the notice, the merchant must cease to collect the preauthorized payments.

BMO Mastercard Cardholder Agreement 11

 On receipt of a copy of the notice, the card issuer must cease debiting the consumer’s account to
make payments to the merchant.
(4) The consumer is not liable for debts resulting from the use of a credit card by a third person after
the card issuer has been notified, by any means, of the loss, theft or fraudulent use of the card
or of any other use of the card not authorized by the consumer. Even if no notice was given,
consumer liability for the unauthorized use of a credit card is limited to $50 per transaction. The
consumer is held liable for the losses incurred by the card issuer if the latter proves that the
consumer committed a gross fault as regards the protection of the related personal identification
number.
(5) Without delay at the end of each period, the merchant must send the consumer a statement of
account. The merchant is not required to send a statement of account to the consumer at the end
of any period if there have been no advances or payments during the period and the outstanding
balance at the end of period is zero.
(6) If the consumer makes a payment at least equal to the outstanding balance at the end of the
preceding period within 21 days after the date of the end of the period, no credit charges may be
required from the consumer on that outstanding balance, except as regards money advances. In
the case of a money advance, charges may accrue as of the date of the advance until the date of
payment.
(7) The consumer may demand that the merchant send, without charge, a copy of the vouchers for
each of the transactions charged to the account during the period covered by the statement.
The merchant must send the copy of the vouchers requested within 60 days after the date the
consumer’s request was sent.
(8) Until the consumer receives a statement of account at his address or technological address if
expressly authorized by the consumer, the merchant must not claim credit charges on the unpaid
balance, except as regards money advances.
It is in the consumer’s interest to refer to sections 103.1, 122.1, 123, 123.1, 124, 126, 126.2, 126.3, 127
and 127.1 of the Consumer Protection Act (chapter P-40.1) and, if further information is necessary,
to contact the Office de la protection du consommateur.

28. Your personal information

To learn more about how we collect, use, disclose and safeguard your Personal Information, your
choices, and the rights you have, please see our Privacy Code (available at bmo.com/privacy, or from
any of our branches).
Sharing your Personal Information
Your personal information is shared with the card network (e.g., Visa, Mastercard) in order to operate
or administer the payment card system that supports the products, services or accounts you have with
us (including any products or services provided or made available by the card network as part of your
product, service or accounts with us), or for any promotions the card network may make available to
you.
BMO Financial Group consists of Bank of Montreal and its affiliates. Your Personal Information, including
information about your authorized representatives and beneficiaries, is shared within BMO Financial
Group, to the extent permitted by law, to: ensure we have accurate information about you, and your
authorized representatives and beneficiaries; manage our total relationship; provide a better customer
experience; meet your needs as they change and grow; and manage our business.
Your Choices
Sharing: You may choose not to allow us to share account-specific information within BMO Financial
Group, but you understand we will share your Personal Information where two or more BMO Financial
Group affiliates provide you with jointly offered products or services.
Direct marketing: You may choose not to allow us to use your contact information for direct marketing,
such as mail, telemarketing or email informing you about products and services we think may be of
interest and value to you.
Please see “Contact Us” in our Privacy Code for more details on how to opt out.

12 Information Guide
Automated decisions: We will also use your Personal Information to make decisions in real time by
using tools to automate the processing of your Personal Information, for example, whether to approve
or decline your transaction. These decisions can affect the products, services or features we may offer
you and are also used to protect you from fraud.

29. How to contact us and complaint resolution

How to contact us:
Customer Contact Centre
If you have any questions on this agreement, please contact us at: 1-800-263-2263
8:00 am - 11:00 pm (local time), 7 days a week
For clients who are deaf or hard of hearing, BMO supports calls (24/7) from third party relay service
providers trained to relay communications through message relays (MRS) or video relays (VRS).
Lost or stolen cards and emergency travel 7/24 help line:
1-800-361-3361 (Toll free Canada & U.S.)
1-514-877-0330 (International call collect)
We’re here to help – Resolving Customer Complaints
If you have a complaint or concern, we encourage you to let us know and give us the opportunity to
make it right. BMO’s complaint resolution process is outlined in the We’re here to help – Resolving
Customer Complaints brochure, which is available online at www.bmo.com/main/about-bmo/
resolving-a-complaint and at all BMO Bank of Montreal branches.
Our Commitment to You
BMO Financial Group appreciates and values the opportunity to assist you in meeting your financial
objectives today, and in the future. We’re committed to a strong customer focus: on service, to
excellence, and being responsive to help you reach your goals. This demands that we listen to you,
constantly seek ways to enhance your experience with us, and help us earn the right to be your
financial services provider.

BMO Mastercard Cardholder Agreement 13

 BMO CashBack World Elite
Travel and Medical Protection
Certificate of Insurance

Inside you’ll find all you need to know about the Insurance
features and benefits included with your BMO CashBack
World Elite Mastercard

14
 Summary of benefits 16
Definitions 18
1. Out-of-province/country emergency medical insurance 21
2. Car rental – collision/loss damage insurance 27
3. Common carrier insurance 31
4. Flight delay insurance 34
Table of 5. Baggage insurance 36

contents 6.
7.
Hotel burglary insurance
Purchase security & extended warranty insurance
38
40
8. General conditions 44
9. General provisions 45
10. Travel assistance services 45
11. Collection and use of your personal information 46

15
 IMPORTANT INFORMATION
Important Notice - Read Carefully Before You Travel.
The BMO CashBack World Elite Mastercard includes travel coverage – what’s next? We want you to
understand (and it is in your best interest to know) what your certificate of insurance includes, what it
excludes, and what is limited (payable but with limits). Please take time to read through your certificate of
insurance before you travel. Bolded and italicized terms are defined in your certificate of insurance.
a) Travel insurance covers claims arising from sudden and unexpected situations (e.g., accidents and
emergencies) and not follow-up or recurrent care.
b) To qualify for this insurance, you must meet all of the eligibility requirements.
c) This insurance contains limitations and exclusions (e.g., medical conditions that are not stable,
pregnancy, child born on a trip, excessive use of alcohol, high risk activities, etc.).
d) This insurance may not cover claims related to pre-existing medical conditions.
e) Contact the Operations Centre before seeking treatment or your benefits may be limited or denied.
f) In the event of a claim your prior medical history may be reviewed.
In addition to the Important Information above, please be sure to read the Important Notice in each
coverage section.
It is important and your responsibility to understand your coverage. If you have questions, call the
Operations Centre:
From Canada and the United States call 1 877 704-0341
From elsewhere call collect 519 741-0782
The insurance products described in this certificate of insurance are underwritten by CUMIS General
Insurance Company, a member of The Co-operators group of companies (“CUMIS”, “we”, “us” or “our”) under
Group Policy No. FC310000-A (the “Policy”), issued to Bank of Montreal (“BMO”) effective July 6, 2023. The
insured person and any claimant under this insurance may request a copy of the Group Policy subject to
certain access restrictions. The insurance is administered by Allianz Global Assistance which is a registered
business name of AZGA Service Canada Inc. Allianz Global Assistance provides claims and travel assistance
services on behalf of the underwriter through the Operations Centre. The Operations Centre can be
reached at 1 877 704-0341 or 519 741-0782.
All benefits are subject, in every respect, to the terms of the Policy, which alone constitutes the agreement
under which payments are made. Only BMO may determine who is a cardholder, whether an account is in
good standing and whether the insurance pursuant to this certificate of insurance is in force.

SUMMARY OF BENEFITS
The information in the chart below summarizes your insurance coverage as provided by the credit card.
Coverage is subject to the terms and conditions listed in this certificate of insurance. For complete
coverage details, please refer to each coverage section. Unless otherwise indicated, all amounts are in
Canadian currency.

Coverage Limits
OUT-OF-PROVINCE/COUNTRY EMERGENCY MEDICAL • Up to $5,000,000 per insured person, per
INSURANCE trip
Out-of-Province/Country Emergency Medical Insurance • Eight (8) consecutive days of coverage per
covers you for the reasonable and customary trip, if you are age sixty-four (64) or under
charges arising from sudden and unforeseeable on your departure date
circumstances while travelling outside your province
or territory of residence.

16 Information Guide
 Coverage Limits
CAR RENTAL – COLLISION/LOSS DAMAGE INSURANCE • Rental period of up to forty-eight (48)
Car Rental – Collision/Loss Damage Insurance provides consecutive days
coverage for damage or theft of a rental car, as well • Rental car with a Manufacturer’s
as valid rental agency towing charges and charges Suggested Retail Price (MSRP) of up to
for loss-of-use, when a covered loss occurs during the $65,000
period of the rental car agreement. The total rental
period must not exceed forty-eight (48) consecutive
days.
COMMON CARRIER INSURANCE • Up to $500,000 per insured person
Common Carrier Insurance provides coverage in the
event of your accidental death or dismemberment
arising from an accidental bodily injury sustained
while you are a passenger on, or while you are
entering or exiting, any licensed common carrier.
FLIGHT DELAY INSURANCE • Up to a maximum of $500 per trip for all
Flight Delay Insurance provides coverage in the event insured persons combined, in the event of
of a delay of more than four (4) hours in the arrival a flight delay of more than four (4) hours
or departure of your regularly scheduled flight on a
commercial airline.
BAGGAGE INSURANCE • Lost, Stolen or Damaged Baggage: up to
Baggage Insurance provides coverage if your baggage $500 per insured person to a maximum
is delayed by the common carrier for more than six of $1,000 per trip for all insured persons
(6) hours, lost, stolen or accidentally damaged while combined
checked in with, or carried on, a common carrier • Baggage Delay: up to $500 per insured
during a trip. person, to a maximum of $1,000 per trip
for all insured persons combined, for the
purchase of essential items
HOTEL BURGLARY INSURANCE • Up to $1,000 per occurrence for all insured
Hotel Burglary Insurance provides coverage for the persons combined
repair or replacement of personal property that is lost,
stolen or damaged due to burglary of your travel
accommodation.
PURCHASE SECURITY & EXTENDED WARRANTY • Purchase Security: up to ninety (90) days
INSURANCE from date of purchase
Purchase Security Insurance covers against theft of, or • Extended Warranty: doubles the original
damage to, covered items within the first ninety (90) manufacturer’s warranty to a maximum
days from the date of purchase when you charge the extension of one (1) year
full purchase price of the items to the cardholder’s
credit card.
Extended Warranty Insurance doubles the original
manufacturer’s warranty up to a maximum extension
of one (1) year when you charge the full purchase
price of the items to the cardholder’s credit card.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 17
DEFINITIONS
Throughout this Certificate of Insurance defined terms are bold and italicized and have the specific
meaning explained below.
Accidental bodily injury means bodily injury caused directly and independently of all other causes by
external and purely accidental means. The accident must occur during the coverage period and the loss
to which the insurance applies must result within three hundred and sixty-five (365) days of the date of
the bodily injury and must not result from any of the exclusions.
Accommodation means an establishment that provides commercial short-term accommodation for
the general public, issues proof of transaction and is licensed under the law of its jurisdiction. An
accommodation includes a business that operates a vacation rental or shared accommodation but
excludes any timeshare properties or arrangements.
Account means the primary cardholder’s BMO CashBack World Elite Mastercard account, established in
Canada by BMO.
Actual cash value means the lesser of:
a) the actual purchase price of a similar item;
b) the actual cash value of the item at the time of loss, which includes deduction for depreciation (for
items without receipts, the insurance will pay up to 75% of the determined depreciated value); or
c) the cost to repair or replace the item.
Authorized Driver means any driver who is permitted to operate the rental car by the primary
cardholder and who is listed on the rental car agreement.
Baggage means luggage and personal possessions, whether owned, borrowed or rented, and taken by
you on your trip.
Benefit amount means the loss amount set out in this certificate of insurance applicable at the time
the full cost of your ticket was charged to the cardholder’s credit card.
Burglary means the loss of or damage to your personal property resulting from the wrongful entry
into your travel accommodation for which there is visible evidence of forcible entry made by tools,
explosives, electricity or chemicals.
Cardholder means the primary cardholder, the primary cardholder’s spouse and/or dependent
child(ren) who have been issued a credit card(s) by BMO on the primary cardholder’s account as
additional cardholders. Cardholder does not include any other individual(s) who may be named as an
additional cardholder on the account.
Cardholder agreement means the BMO cardholder agreement that applies to and governs the credit
card and account.
Car sharing program means a car rental club which gives its members twenty-four (24) hour access to a
fleet of cars parked in a convenient location.
Certificate of insurance means a summary of the benefits provided under the Group Policy issued to BMO.
Common carrier means a passenger plane, bus, taxi, car service, train, cruise ship or government-
operated ferry system offering its transportation services to paying passengers at published rates and
scheduled times.
Coverage period means the time insurance is in effect, as indicated in the various Coverage Period
sections of this certificate of insurance.
Covered service(s) means a service or supply, specified herein, for which we provide benefits under this
certificate of insurance.
Credit card means the BMO CashBack World Elite Mastercard and any other payment device that BMO
issues or provides to enable the cardholder to use the account.
Departure date means the date on which you depart on your trip.
Dependent child(ren) means an unmarried natural, adopted, or step child of a primary cardholder
dependent on the primary cardholder or the primary cardholder’s spouse for support who is:
a) twenty (20) years of age or under; or
b) twenty-five (25) years of age or under and a full-time student attending a recognized college or
university; or

18 Information Guide
c) twenty-one (21) years of age or older and permanently mentally or physically challenged and
incapable of self-support and became so while eligible as a dependent child.
Emergency means a sudden and unforeseen medical condition, occurring during your trip, which
requires immediate treatment. An emergency no longer exists when the evidence reviewed by the
Operations Centre, in consultation with your attending physician, indicates that no further treatment is
required at your destination or you are able to return to your province or territory of residence for further
treatment.
Essential items means necessary clothing and/or toiletries purchased during the time period in which
checked baggage has been delayed.
GHIP means the Government Health Insurance Plan of your Canadian province or territory of residence.
Gift means the voluntary transfer of tangible moveable property without consideration and intended for
personal use only.
Good standing means your account privileges have not expired, been revoked, suspended or
terminated and you are in full compliance with all the provisions of the cardholder agreement.
Hospital means an institution that is licensed as an accredited hospital that is staffed and operated for
the care and treatment of inpatients and outpatients. Treatment must be supervised by physicians
and there must be registered nurses on duty twenty-four (24) hours a day. Diagnostic and surgical
capabilities 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.
Immediate family member means a spouse, child, including adopted children and stepchildren, parent,
sibling, legal guardian, parent-in-law, grandparents, grandchildren, daughter-in-law, son-in-law, brother-
in-law and sister-in-law.
Incident date means the first date you exhibited signs or symptoms and/or sought treatment for a
medical condition, sickness or injury.
Injury means any bodily harm caused by an accident which results in a covered loss and which requires
the immediate medical care or treatment of a physician.
Inpatient means a person who is treated as a registered bed patient in a hospital or other facility and
for whom a room and board charge is made.
Insured person means the primary cardholder, the primary cardholder’s spouse and their dependent
child(ren). For Car Rental – Collision/Loss Damage Insurance, insured person also includes any authorized
driver.
Loss, with reference to loss of life, means death, including clinical death determined by the local
governing medical authorities. Loss means, with reference to a hand or foot, complete and permanent
severance through or above the wrist or ankle joint; with reference to arm or leg means complete and
permanent severance through or above the elbow or knee joint; with reference to thumb and index
finger means complete and permanent severance of the thumb and index finger of the same hand. With
reference to hearing, loss means the permanent and irrecoverable total loss of hearing in both ears, as
determined by a physician; with reference to sight, loss means the permanent and irrecoverable loss
of the entire sight, meaning that the remaining vision must be no better than 20/200 using a corrective
aid or device as determined by a physician; with reference to speech, loss means the permanent and
irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined
by a physician.
Medical condition(s) means any disease, sickness or injury (including symptoms of undiagnosed conditions).
Medically necessary means the services or supplies provided by a hospital, physician, licensed dentist
or other licensed provider that are required to identify or treat your sickness or injury and that the
Operations Centre determines are:
a) consistent with the symptom or diagnosis and treatment of your condition, sickness, ailment or injury;
b) appropriate with regard to standards of good medical practice;
c) not solely for the convenience of you, a physician or other licensed provider; and
d) the most appropriate supply or level of service that can be safely provided to you.
When applied to the care of an inpatient, it further means that your medical symptoms or condition
require that the services cannot be safely provided to you as an outpatient.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 19
Minor ailment means a sickness or injury which ended more than thirty (30) days before your
coverage period began and which did not require:
a) treatment for a period longer than fifteen (15) consecutive days; or
b) more than one (1) follow-up visit to a physician; or
c) hospitalization, surgery, or referral to a specialist.
Mysterious disappearance means when the article in question cannot be located and the circumstances
of its disappearance cannot be explained and do not lend themselves to a reasonable inference that a
theft occurred.
Operations Centre means the Operations Centre maintained by Allianz Global Assistance.
Outpatient means someone who receives a covered service while not an inpatient.
Personal effects means property normally worn or designed to be carried on or by an insured person
solely for private purposes and not used for business.
Personal property means tangible, moveable property purchased with the cardholder’s credit card and
intended for personal use.
Physician means a person, other than you, a member of your family or a travelling companion, licensed
in the jurisdiction where the services are provided, to prescribe and administer medical treatment
including, but not limited to, a physician’s assistant and nurse practitioner.
Political risk means any type of event, organized resistance or actions intending or implying the
intention to overthrow, supplant or change the existing ruler or constitutional government, including but
not limited to nationalization; confiscation; expropriation (including selective discrimination and forced
abandonment); deprivation; requisition; revolution; rebellion; insurrection; civil commotion assuming to
proportion of or amounting to an uprising and military and usurped power.
Pre-existing medical condition(s) means a sickness, injury or medical condition, whether or not
diagnosed by a physician:
a) for which you exhibited signs or symptoms; or
b) for which you required or received medical consultation; and
c) which existed before your coverage period began.
Primary cardholder means the person who applied for the credit card and in whose name BMO opened
the account.
Professional means you are considered professional by the governing body of the sport and are paid for
your participation whether you win or lose.
Purchase price means the full cost of an item (including taxes) evidenced by a receipt and charged to
the cardholder’s credit card.
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.
Recurrence means the appearance of symptoms caused by or related to a medical condition, which was
previously diagnosed by a physician or for which treatment was previously received.
Rental agency means a licensed automobile rental agency that rents vehicles and issues a rental car
agreement. Rental agencies include both automobile rental agencies as well as car sharing programs.
Rental car means a land motor vehicle with four (4) wheels, that is designed for use mainly on public
roads and which you have rented from a rental agency for your personal use for the period of time
shown on the rental car agreement. With regards to the Collision/Loss Damage benefit, a rental car may
also include a car sharing program of which you are a member.
Rental car agreement means the entire written contract that you receive when renting a car from
a rental agency that describes in full all of the terms and conditions of the rental, as well as the
responsibilities of all parties under the rental car agreement. With regards to the Collision/Loss Damage
benefit, a rental car agreement may also include a commercial car sharing program of which you are a
member and the terms and conditions thereof.
Sickness means any sudden illness or disease requiring the immediate medical care or treatment of
a physician.
Signs or symptoms means any evidence of disease experienced by you or recognized through
observation.

20 Information Guide
Spouse means the person who is legally married to the primary cardholder; or if there is no such
person, the person who has been living with the primary cardholder in a conjugal relationship and who
resides in the same household as the primary cardholder and is publicly represented as the spouse of
the primary cardholder. For the purposes of this insurance the primary cardholder may have only one
(1) spouse.
Stable means any medical condition or related condition, including any heart condition or any lung/
respiratory condition for which:
a) there has been no new treatment; and
b) there has been no change in treatment or change in treatment frequency or type; and
c) there have been no signs or symptoms or new diagnosis; and
d) there have been no test results showing deterioration; and
e) there has been no hospitalization; and
f) there has been no referral to a specialist (made or recommended) and you are not awaiting surgery
or the results of investigations performed by any medical professional.
The following are also considered stable:
a) Routine (not prescribed by a physician) adjustment of insulin or Coumadin (Warfarin) provided
the medication was not first prescribed during the one hundred and eighty (180) days before your
coverage period began.
b) Change from a brand name medication to a generic medication provided the medication was
not first prescribed during the one hundred and eighty (180) days before your coverage period
began and there is no increase or decrease in dosage.
Terrorist event means an act, including but not limited to the use of force or violence, of any person or
group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), which
constitutes terrorism as recognized by the government authority or under the laws of your country of
residence, and is committed for political, religious, ethnic, ideological or similar purposes, including but not
limited to the intention to influence any government and/or to put the public, or any section of the public,
in fear. It does not include general civil disorder or unrest, protest, rioting, political risk, or acts of war.
Ticket is defined in the applicable coverage sections of this certificate of insurance under “Introduction”.
Travel supplier means a tour operator, travel wholesaler, airline, cruise line, provider of ground
transportation or provider of commercial accommodation to you that is contracted to provide travel
services to you and that is licensed, registered or otherwise legally authorized to operate and provide
travel services.
Treatment means a procedure prescribed, performed or recommended by a physician for a medical
condition. This includes but is not limited to prescribed medication, investigative testing and surgery.
Trip is defined in the applicable coverage sections of this certificate of insurance under “Introduction”.
We, our, us means CUMIS General Insurance Company, a member of The Co-operators group of
companies and/or Allianz Global Assistance.
You, your means the insured person.

1. Out-of-province/country emergency medical insurance

1.1 Introduction
Out-of-Province/Country Emergency Medical Insurance covers you for the reasonable and customary
charges arising from sudden and unforeseeable circumstances while you are on a trip.
Trip means a period during which you are travelling outside of your province or territory of residence
and for which coverage is in effect.

1.2 What to do in the event of a medical emergency

In the event of a medical emergency, you must contact the Operations Centre:
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 21
You or someone on your behalf must notify the Operations Centre within twenty-four (24) hours of the
incident date or as soon as reasonably possible if you are admitted to a hospital. When you contact the
Operations Centre at the time of your emergency, the Operations Centre can direct you to a hospital
or physician in your travel area. Where possible, the Operations Centre will arrange to pay the provider
directly for approved eligible expenses. If you do not notify the Operations Centre at an early stage
in your claim, you may receive inappropriate or unnecessary medical treatment, which may not be
covered by this insurance.
Note: Failure to contact the Operations Centre could result in your expenses not being covered,
denial or a delay in the settlement of your claim.

IMPORTANT NOTICE - PLEASE READ CAREFULLY

This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• Coverage under this certificate of insurance is secondary, in that it covers expenses in excess of
those payable by any other insurance plan or other source of reimbursement.
• This insurance may not cover claims related to pre-existing medical conditions.
• In the event of a claim your prior medical history may be reviewed.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.
• Neither the Operations Centre, nor BMO are responsible for the availability, quality or results of any
medical treatment or transportation, or the failure of an insured person to obtain medical treatment.

1.3 Coverage eligibility

To be eligible for the Out-of-Province/Country Emergency Medical Insurance:
a) you must be a resident of Canada; and
b) you must be age sixty-four (64) or under on your departure date; and
c) you must be covered by a Canadian Government Health Insurance Plan (GHIP) during the entire
trip; and
d) the account must be in good standing.
Note: The trip does not need to be charged to the cardholder’s credit card to be eligible for the
emergency medical benefits provided that the account is in good standing.

1.4 Coverage period

Coverage begins when you leave your province or territory of residence. You will be covered for the first
eight (8) consecutive days of your trip, including your departure date.
Coverage ends on the earliest of:
a) the date you have been absent from your province or territory of residence for more than eight (8)
consecutive days, including your departure date; or
b) the date you return to your province or territory of residence; or
c) the date the account is cancelled or no longer in good standing; or
d) the date the Policy is cancelled by us or by BMO.

22 Information Guide
1.4.1 Optional extension of coverage
Your coverage period can be extended provided no event has occurred that would give rise to a claim
under this insurance and provided you request an extension by phone prior to the end of your eighth
(8th) day of travel.
Your total trip length including extensions cannot exceed the maximum number of days for which you
are covered under your GHIP (one hundred and eighty-three (183) days or more depending on your
province or territory of residence). The maximum trip length, including extensions, is three hundred sixty-
five (365) days from your departure date.
To arrange for an extension, call the Operations Centre toll-free at 1 877 704-0341 while in Canada or
the United States, or if elsewhere, call collect at 519 741-0782. Premium payment for coverage extensions
must be charged to the cardholder’s credit card.
When making a claim hereunder, evidence of your departure date from, and your scheduled and actual
return dates to, your province or territory of residence will be required.

1.4.2 Automatic extension of coverage

a) Hospitalization: When you are in a hospital due to an emergency on your scheduled return date,
your coverage will be automatically extended for as long as you are in hospital plus a further period
of up to three (3) days following your discharge from the hospital.
b) Emergency Delay: The coverage period is automatically extended up to three (3) days if you must
delay your scheduled return due to the emergency of another insured person.
c) Transportation Delay: The coverage period is automatically extended up to three (3) days when
your common carrier is delayed, or the automobile in which you are travelling is involved in an
accident or mechanical breakdown, preventing you from returning on your scheduled return date.

1.5 Coverage benefits

Subject to the limitations and exclusions described in section 1.6, this Out-of-Province/Country Emergency
Medical Insurance covers reasonable and customary charges incurred by you to a maximum of
$5,000,000 (unless stated otherwise for a specific benefit) for the following covered services arising
from an emergency that occurs during the coverage period.

1.5.1 Emergency hospital, ambulance and medical expenses

• Hospital room and board charges, up to semi-private or the equivalent. If medically necessary,
expenses for treatment in an intensive or coronary care unit are covered;
• Treatment by a physician;
• X-rays and other diagnostic tests;
• Use of an operating room, anesthesia and surgical dressings;
• The cost of a licensed ambulance service;
• Emergency room charges;
• Prescription drugs and medication, limited to a thirty (30) day supply;
• The cost for rental or purchase of minor medical appliances such as wheelchairs and crutches.

1.5.2 Private duty nursing expenses

Benefits are payable to a maximum of $5,000 per insured person for the professional services of a
registered nurse (not related to you by blood or marriage) while hospitalized, provided these services are
medically necessary and prescribed by the attending physician.

1.5.3 Emergency Air Transportation or Evacuation

The following are covered expenses provided they are approved and arranged in advance by the
Operations Centre:
• Air ambulance to the nearest appropriate medical facility or to a Canadian hospital;
• Transport on a licensed airline for emergency return to the insured person’s province or territory of
residence for immediate medical attention; and
• A medical attendant to accompany you on the flight back to Canada.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 23
1.5.4 Other professional services
Where the professional services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist
are medically necessary, coverage will be provided to a maximum of $150 per insured person per
profession.

1.5.5 Emergency dental care expenses

This insurance covers the cost to repair or replace natural teeth or permanently attached artificial teeth
that are damaged as the result of an injury to the mouth, to a maximum of $2,000 per insured person.
Chewing accidents are not covered. To be eligible for coverage, dental treatment must take place during
your trip. Treatment for the emergency relief of dental pain is covered to a maximum of $150 per
insured person.

1.5.6 Transportation to the bedside

This insurance covers one (1) round-trip economy airfare by the most direct and cost-effective route from
Canada, plus accommodation and meals up to $200 per day to a maximum of ten (10) days, for any one
(1) immediate family member or close friend to:
a) be with you if you have been admitted to a hospital as an inpatient. You must be expected to
be an inpatient for at least seven (7) days outside your province or territory of residence and have
verification from the attending physician that the situation is serious enough to require the visit; or
b) in the case of your death to identify your remains prior to release of your body, where necessary.
1.5.7 Return of deceased
In the event of your death while on a trip, this insurance covers up to $3,000 for the preparation and
transportation of your remains, including your ashes in the case of cremation, to your province or
territory of residence. The cost of a burial coffin or urn is not covered.

1.5.8 Meals and accommodation

If your return to Canada is delayed due to an emergency, this insurance covers the cost for meals and
accommodation expenses incurred after your planned return date up to $200 per day to a maximum of
ten (10) days per trip, for all insured persons combined.

1.5.9 Return of vehicle

You will be reimbursed up to a maximum of $1,000 for the cost of a commercial agency to return the
owned or rented vehicle used for your trip if:
a) as the result of a sickness, injury or death, neither you nor anyone travelling with you is able to
operate the vehicle; or
b) the vehicle becomes inoperable due to an accident.
Benefits will only be payable when the return of the vehicle is pre-approved and/or arranged by the
Operations Centre and the vehicle is returned to your residence or the nearest appropriate rental agency
within thirty (30) days of your return to Canada.

1.6 Limitations and exclusions

1.6.1 Limitations
The following conditions may limit your entitlement to benefits under this certificate of insurance:
a) Failure to Notify the Operations Centre. Receiving emergency treatment without notifying the
Operations Centre or proceeding with investigation, treatment or surgery without our pre-approval,
and which we do not consider emergency treatment, may limit the benefits payable to you. You
or someone on your behalf must notify the Operations Centre within twenty-four (24) hours of the
incident date or as soon as reasonably possible before seeking treatment, so that the Operations
Centre may confirm coverage and provide pre-approval for treatment.
b) Transfer or Medical Repatriation. If the medical advisors of the Operations Centre, in consultation
with your attending physician, determine that you should transfer to another facility for emergency
treatment, or return to your province or territory of residence, and you choose not to, benefits
will not be paid for any further medical treatment. Your refusal to be transferred, or to return to

24 Information Guide
 your province or territory of residence, will release us of any liability for expenses incurred after the
proposed transfer date.
c) Pre-approval for Ongoing Treatment. After your medical emergency treatment has started, the
Operations Centre must assess and pre-approve additional medical treatment. If you undergo
tests as part of a medical investigation, treatment or surgery, obtain treatment or undergo surgery
that is not pre-approved, your claim may not be paid. This includes invasive testing or surgery,
including but not limited to angioplasty and/or cardiac surgery, MRI (Magnetic Resonance Imaging),
CAT (Computer Axial Tomography) scans, sonograms, ultrasounds and biopsies, and any associated
diagnostic charges, being performed except in extreme circumstances where surgery is performed on
an emergency basis.

1.6.2 Pre-existing medical conditions exclusion

This insurance will not pay for expenses incurred during the coverage period related to:
a) your medical condition or related condition, other than a minor ailment, that was not stable at any
time during the one hundred and eighty (180) days immediately before your coverage period began; or
b) any heart condition if you have used nitroglycerine in any form for a heart condition during the one
hundred and eighty (180) days immediately before your coverage period began; or
c) any lung/respiratory condition if you have an active prescription for or used home oxygen or
prednisone for a lung/respiratory condition during the one hundred and eighty (180) days before your
coverage period began.

1.6.3 General exclusions

This insurance does not cover, provide services or pay claims resulting directly or indirectly from:
a) Non-Emergency Services - Non-emergency, experimental or elective treatment (e.g. cosmetic
treatment, regular care of a chronic medical condition or any treatment or surgery that is not
required for relief of acute pain or suffering).
b) Recurrence or Continued Treatment - The continued treatment, recurrence or complication of a
medical condition following emergency treatment during your trip, if the medical advisors of the
Operations Centre, in consultation with your attending physician, determine that your emergency
ended or that you are able to return to Canada and you choose not to return.
c) Travelling for Treatment - Any treatment or surgery if a trip is made for the purpose of obtaining a
diagnosis, treatment, surgery, investigation, palliative care, or any alternative therapy, as well as any
directly or indirectly related complication whether or not such trip is on the advice of a physician.
d) Travelling Against Medical Advice - Any trip commenced or continued after a physician advised
you not to travel.
e) Failure to Follow Medical Advice - A medical condition for which you delayed or refused further
treatment or investigation, which was recommended by your physician before your departure date.
f) Non-compliance with Prescribed Treatment - Any medical condition that is the result of you not
following treatment as prescribed to you, including prescribed medication.
g) Mental, Nervous, Emotional Disorders - Mental, nervous or emotional disorders that do not require
immediate hospitalization.
h) Self-injury and Suicide - Intentional self-injury, suicide or attempted suicide.
i) Abuse of Alcohol, Drugs or Intoxicants
i. Any medical condition, including symptoms of withdrawal, arising from, or in any way related to,
your abuse or chronic use of alcohol, drugs or other intoxicants whether prior to or during your trip.
ii. Any medical condition arising during your trip from, or in any way related to, the abuse of
alcohol (where the concentration of alcohol in your blood exceeds eighty (80) milligrams of
alcohol in one hundred (100) millilitres of blood, or exceeds the legal limit in the jurisdiction in
which you were travelling, whichever is less), drugs or other intoxicants.
j) Complications of Pregnancy or Delivery - Pregnancy, routine pre-natal care, miscarriage, childbirth
or complications of any of these conditions occurring within nine (9) weeks of the expected date of
birth.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 25
k) Child Born During Trip - A child born during a trip, even if born outside of the nine (9) weeks before
or after the expected delivery date, shall not be regarded as an insured person and shall not have
coverage under this certificate of insurance for the entire duration of the trip in which the child is born.
l) Illegal Act - Your involvement in the commission or attempted commission of a criminal offence or
illegal act.
m) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist
events; political risk or any participation in the armed forces.
n) Nuclear Reaction, Contamination, etc. - Nuclear reaction or radiation; radioactive, biological or
chemical contamination; seepage; pollution or contamination.
o) Sports and High-Risk Activities - Participation in professional sports; any speed contest involving
the use of a motor vehicle on land, water or air including training activities, whether on approved
tracks or elsewhere; full contact bodily sports; SCUBA diving, unless you hold a basic SCUBA
designation from a certified school or other licensing body; hang-gliding; para-gliding; skydiving;
parachuting; bungee jumping; parasailing; spelunking; mountaineering; rock climbing; heli-skiing;
freestyle skiing; kite surfing; skiing outside of marked trails; or air travel other than as a ticketed
passenger.
p) Travel Advisory - Your travel to a country, region or city with a published formal travel advisory
issued by the Canadian government, before your departure date, advising travellers to avoid all
travel, or to avoid non-essential travel, and you have an emergency or medical condition related to
the reason for the travel warning, your claim will not be paid. This includes written warnings to avoid
non-essential travel, or to avoid all travel, on a common carrier. To view the advisories, visit the
Government of Canada Travel site. Please be advised that events in such locations could restrict our
ability to assist you.
q) Sanctions - Your 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.
r) Other – Organ harvesting surgery; prescription refills.
1.7 Claim Filing Procedures
You or someone on your behalf must notify the Operations Centre immediately after any emergency.
Upon receipt of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• Proof of your departure date, your scheduled and actual return dates.
• Proof of incident date.
• Cause or nature of the sickness or injury.
• Original receipts, invoices and itemized bills for all expenses.
• Copy of your provincial or territorial GHIP health card number.
• The provision of an authorization allowing the Operations Centre to secure medical records.
• The provision of any forms or authorizations required by the Operations Centre to pursue
reimbursement from your GHIP, any other insurance and/or any third parties.
• Any other documentation that may be required to process your claim.
1.8 Specific conditions
In addition to the specific conditions below, Out-of-Province/Country Emergency Medical Insurance is
subject to the General Conditions and General Provisions found in sections 8 and 9.

26 Information Guide
1. The Out-of-Province/Country Emergency Medical Insurance provided herein is supplemental in
that it pays for covered expenses in excess of your GHIP and any other insurance plan or source
of reimbursement. Benefits payable under any other insurance plan under which you may have
coverage will be coordinated in accordance with the current guidelines issued by the Canadian Life
and Health Insurance Association. Payment under the insurance and any other plan shall not exceed
100% of the eligible charges incurred. This insurance also allows us/the Operations Centre to receive
in your name, and endorse and negotiate on your behalf, these eligible payments. When GHIP and
other insurance payments have been made, this releases us and the other insurers from any further
liability in respect of that eligible claim.
2. You agree to cooperate fully with us, and as a condition to the payment of benefits, the Operations
Centre reserves the right to obtain all pertinent records or information from any physician, dentist,
practitioner, hospital, clinic, insurer, individual or institution to assess the validity of a claim
submitted by or on behalf of any insured person. Failure to provide the requested documentation to
substantiate your claim under this certificate of insurance will invalidate your claim.
3. Physical Examination: The Operations Centre has the right to investigate the circumstances of loss
and to require a medical examination; and in the event of death to require an autopsy at our cost, if
not prohibited by law.

2. Car rental – collision/loss damage insurance

2.1 Introduction
Car Rental – Collision/Loss Damage Insurance provides coverage for damage or theft of a rental car,
as well as valid rental agency towing charges and charges for loss-of-use, when a covered loss occurs
during the period of the rental car agreement. The total rental period must not exceed forty-eight (48)
consecutive days.

2.2 What to do if your rental car sustains any damage, loss or theft
If your rental car sustains any damage, loss or theft, you must contact the Operations Centre
immediately after any loss or occurrence.
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

IMPORTANT NOTICE - PLEASE READ CAREFULLY

This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• Coverage under this certificate of insurance is secondary, in that it covers expenses in excess of
those payable by any other insurance plan or other source of reimbursement.
• This coverage does not provide any form of third-party automobile, property damage or personal
injury liability insurance. It is your responsibility to ensure you have adequate third-party insurance,
either through your own automobile insurance policy, or by accepting the insurance offered through
the rental agency.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 27
2.3 Coverage eligibility
You are eligible for the Car Rental – Collision/Loss Damage Insurance when you enter into a non-
renewable rental car agreement for a rental car, where the total rental period does not exceed
forty-eight (48) days, subject to limitations and exclusions and the following requirements:
a) you are a resident of Canada;
b) the rental car must be rented by the cardholder; and
c) the rental car must be rented from a commercial car rental agency; and
d) the full cost, including applicable taxes and/or fees of the rental car must be charged to the
cardholder’s credit card. An eligible rental car included in a pre-paid travel package is covered if the
full cost of the travel package was charged to the account; and
e) you must not rent more than one (1) vehicle at a time during a rental period; and
f) you must decline the Collision Damage Waiver (CDW) benefits (or similar provisions, such as
“loss damage waiver”) offered by the rental agency (when not prohibited by law). If there is
no space on the rental car agreement to decline coverage, you must write on the contract
“I decline the CDW provided by the rental agency.”; and
g) the rental car must have been operated by:
i. the insured person listed on the rental car agreement and authorized to operate the rental car
under the rental car agreement in accordance with its conditions when the loss occurs; or
ii. any authorized driver who has been given permission by the primary cardholder to operate
the rental car, provided the additional person is listed on the rental car agreement. All drivers
must qualify under and follow the terms of the rental car agreement and they must be legally
licensed and permitted to operate the rental car under the laws of the jurisdiction in which the
rental car will be operated; and
h) the account must be in good standing.
2.4 Coverage period
Coverage begins as soon as the insured person who is authorized to operate the rental car under the
rental car agreement takes control of the rental car.
The total rental period must not exceed forty-eight (48) consecutive days. If the rental period exceeds forty-
eight (48) consecutive days, coverage under this certificate of insurance will be void. In order to break the
consecutive day cycle, a full calendar day must exist between rental periods.
Coverage ends at the earliest of:
a) the time when the rental agency assumes control of the rental car, whether it be at its place of
business or elsewhere. Rental car keys left in a locked drop box does not constitute that the rental
agency has assumed control of the rental car; or
b) the end of the chosen rental period; or
c) the date the account is cancelled or no longer in good standing; or
d) the date the Policy is cancelled by us or by BMO.
2.5 Coverage benefits
Subject to the terms and conditions, you are covered for a rental car with a Manufacturer’s Suggested
Retail Price (MSRP), in its model year, up to a maximum of $65,000 for:
a) damage to the rental car; and
b) theft of the rental car or any of its respective parts or accessories; and
c) rental agency charges for valid loss-of-use, while the rental car is being repaired; and
d) reasonable and customary charges for towing the rental car to the nearest available facility.
Note: This coverage does not provide any form of third-party automobile, property damage or
personal injury liability insurance. It is your responsibility to have adequate third-party insurance,
either through your own automobile insurance policy, or by accepting the insurance offered
through the rental agency.
The amount of the benefit payable will be equal to, the lesser of, the cost of the repair (including loss-of-
use) or the replacement cost of your rental car which has been damaged or stolen, less any amount or
portion of the loss assumed, waived or paid by the car rental agency, its insurer, or a third-party insurer.

28 Information Guide
2.6 Limitations and exclusions
2.6.1 Limitations
The following conditions may limit your entitlement to benefits under this certificate of insurance:
a) MSRP over $65,000: There is no coverage for any vehicle with a Manufacturer’s Suggested Retail
Price (MSRP) in its model year, over $65,000.
b) Additional Rental Fees: There is no coverage for additional rental fees charged by the rental agency
for a replacement vehicle if required by you for the remainder of the original rental period.
c) Rental Period in Excess of Forty-eight (48) Days: This coverage does not apply to rental cars
when your rental period is more than forty-eight (48) consecutive days, or your rental period is
extended for more than forty-eight (48) consecutive days by renewing or taking out a new rental car
agreement with the same or another rental agency for the same vehicle or other vehicles.
d) This coverage will not pay for the cost of any insurance offered by or purchased through the car rental
agency, even if such cost is mandatory or included in the price of the vehicle rental.

2.6.2 Exclusions
We will not pay any of the rental car benefits if a claim is directly or indirectly a result of one (1) or more
of the following:
a) Excluded Vehicles: Vehicles which belong to the following categories are not covered:
i. vans (except as defined below);
ii. trucks (including pick-ups) or any vehicle that can be spontaneously reconfigured into a pick-up truck;
iii. campers or trailers;
iv. vehicles towing or propelling trailers or any other object;
v. off-road vehicles (Sport Utility Vehicles are covered, provided they are not used as off-road
vehicles, are driven on maintained roads and do not have an open cargo bed);
vi. motorcycles, mopeds or motorbikes;
vii. expensive or exotic vehicles with an MSRP, in their model year, greater than $65,000;
viii. antique vehicles which are over twenty (20) years old or when their models have not been
manufactured for ten (10) years or more;
ix. recreational vehicles or vehicles not licensed for road use; and
x. leased vehicles, with buyback guarantee.
xi. limousines, however, standard production models of these vehicles that are not used as limousines
are not excluded provided that they have an MSRP, in their model year, of $65,000 or less.
Note: Vans are not excluded provided that they:
• are for private passenger use with seating for no more than eight (8) occupants including the
driver; and
• do not exceed a “3/4 ton” rating; and
• are not designed for recreational use (such as but not limited to camping, operation on roads not
maintained by a federal, provincial, state or local authority and is designed and manufactured for
off-road use); and
• are not to be used for hire by others.
b) Damage – Wear and tear, gradual deterioration, mechanical or electrical breakdown or failure, insects
or vermin, inherent flaw or damage; damage caused by the use of incorrect fuel type.
c) Loss of Vehicle Entry Device – Loss, damage or misplacement of vehicle entry devices.
d) Diminished Value – The amount by which the resale value of a damaged (or damage repaired) rental
car has been reduced for having a significant damage history.
e) Violation of Rental Car Agreement – Operation of the rental car in violation of the terms of the
rental car agreement.
f) Intentional Acts – Damage due to intentional acts.
g) Off-road Operation – Damage caused to the rental car by use off of publicly maintained roads.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 29
h) Speed Contests – Damage caused to the rental car while driving at a rate of speed that is a marked
departure from the lawful rate of speed.
i) Self-injury and Suicide – Suicide, attempted suicide or self-inflicted injury.
j) Abuse of Alcohol, Drugs or Intoxicants - The abuse of alcohol (where the concentration of alcohol
in your blood exceeds eighty (80) milligrams of alcohol in one hundred (100) millilitres of blood, or
exceeds the legal limit in the jurisdiction where the vehicle is being operated, whichever is less), drugs
or other intoxicants.
k) Drugs or Poison – Any voluntary taking of poison, toxic substances or non-toxic substances or drugs,
sedatives or narcotics, whether illicit or prescribed, in such quantity that they become toxic, or voluntary
inhalation of a gas.
l) Illegal Trade – Transporting contraband or illegal trade.
m) Criminal Offence – Committing or attempting to commit a criminal offence or dishonest or fraudulent acts
or committing or provoking an assault.
n) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist events;
political risk or any service in the armed forces.
o) Nuclear Reaction, Contamination, etc. - Nuclear reaction; radiation; radioactive, biological or chemical
contamination; seepage; pollution or contamination.
p) Liability – Liability other than for loss of, or damage to, the rental car.
q) Personal Injury – Your personal injury.
r) Expenses – Expenses assumed waived or paid by the commercial car rental agency or its insurers or
payable under any other insurance.
s) Confiscation – Confiscation by order of any government or public authority.
t) Seizure or Destruction – Seizure or destruction under a quarantine or customs regulation.
u) Travel Advisory – You travel to a country, region or city with a published formal travel advisory issued by
the Canadian government, before your departure date, advising travellers to avoid all travel, or to avoid
non-essential travel and your rental car claim is in any way related to the reason for the travel advisory.
v) Sanctions – Your 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.

2.7 Claim filing procedures

You must notify the Operations Centre immediately after any loss or occurrence. Upon receipt of such
notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• A copy of the original police report when the resulting loss from damage or theft was over $500.
• A copy of the driver’s license of the insured person who was driving the rental car at the time of the
accident.
• A copy of the loss/damage report you completed with the rental agency.
• The front and back pages of the opened and closed-out original rental car agreement or if applicable,
a copy of your membership agreement with the car sharing program; a copy of the visual inspection
report completed prior to assuming control of the vehicle and confirmation of your time booked.
• A copy of the primary cardholder’s monthly billing statement and/or receipt reflecting that the cost
of the rental car was paid in full using the cardholder’s credit card. This charge must appear on your
statement within ninety (90) days of the incident.

30 Information Guide
• An itemized statement of repairs for the rental vehicle (unless our representative has seen the car).
• Photo of the damaged vehicle.
• If the loss-of-use is charged, a copy of the rental agency’s daily utilization log from the date the rental
car was not available for rental, to the date the rental car became available to rent.
• Any other documentation that may be required to process your claim.
2.8 Specific conditions
In addition to the specific conditions below, Car Rental – Collision/Loss Damage Insurance is subject to the
General Conditions and General Provisions found in sections 8 and 9.
1. Due Diligence: The primary cardholder and any insured person shall use diligence and do all things
reasonable to avoid or diminish any loss of or damage to property protected by this insurance.
2. You agree to cooperate fully with us, and as a condition to the payment of benefits, the Operations
Centre reserves the right to obtain all pertinent records or information from you. Failure to provide
the requested documentation to substantiate your claim under this certificate of insurance will
invalidate your claim.

3. Common carrier insurance

3.1 Introduction
Common Carrier Insurance provides coverage in the event of your accidental death or dismemberment
resulting from an accidental bodily injury sustained while you are a passenger on, or while you are
entering or exiting, any licensed common carrier provided that the full cost of your ticket is charged to
the cardholder’s credit card.
Ticket means evidence of full fare, including any applicable taxes and/or fees, paid for travel on a
common carrier, which has been completely charged to the account.

3.2 What to do if you experience a loss

In the event of a loss, you must contact the Operations Centre:
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

IMPORTANT NOTICE - PLEASE READ CAREFULLY

• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

3.3 Coverage eligibility

To be eligible for Common Carrier Insurance:
a) you must be a resident of Canada;
b) you must pay the full cost of your ticket, including any applicable taxes and/or fees, with the
cardholder’s credit card; and
c) the account must be in good standing.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 31
3.4 Coverage period
If the full cost of the ticket has been charged to the cardholder’s credit card prior to departure for the
airport, terminal, port or station, coverage is provided:
a) for common carrier travel (not including courtesy transportation provided without a specific charge),
directly to the airport, terminal, port or station, immediately preceding the scheduled departure of the
common carrier;
b) while at the airport, terminal, port or station; and
c) for common carrier travel (not including courtesy transportation provided without a specific charge)
immediately following the scheduled arrival of the common carrier at the airport, terminal, port or
station.
Note: If the full cost of your ticket has not been charged to the cardholder’s credit card prior to
departure for the airport, terminal, port or station, coverage begins at the time the full cost of
your ticket is charged to the cardholder’s credit card.

3.5 Coverage benefits

The following benefit amounts are payable for your loss resulting from an accidental bodily injury that
occurs while you are a passenger on, or while you are entering or exiting, any licensed common carrier.
The loss must occur within one (1) year from the date of the accident:

Loss Benefit Amount

Loss of Life $500,000
Loss of Both Hands and/or Both Feet $500,000
Loss of One Foot or One Hand and the Entire Sight of One Eye $500,000
Loss of Entire Sight of Both Eyes $500,000
Loss of One Hand and One Foot $500,000
Loss of Speech and Hearing $500,000
Loss of One Hand or One Foot $250,000
Loss of Entire Sight of One Eye $250,000
Loss of Speech or Hearing $250,000
Loss of Thumb and Index Finger on the Same Hand $125,000

We will pay the single largest applicable benefit amount. In no event will duplicate request forms or
multiple credit cards obligate us to pay any amount in excess of the stated benefit amount for any one
loss sustained by any one insured person as the result of any one accident.
If more than one insured person suffers a loss in the same accident, our total liability for all such losses
will be limited to a maximum limit of insurance equal to $1,500,000. The total amount payable with respect
to the covered insured persons suffering a loss will be proportionately divided among the covered insured
persons suffering a loss, based on each applicable benefit amount.

3.6 Exposure and disappearance

If by reason of an accident covered under this certificate of insurance an insured person is unavoidably
exposed to the elements and as a result of such exposure suffers a loss for which indemnity is otherwise
payable hereunder, such loss will be covered hereunder. If the body of an insured person has not been
found within twelve (12) months after the date of disappearance as the result of the sinking or wrecking
of a common carrier in which the insured person was riding at the time of the accident and under such
circumstances as would otherwise be covered hereunder, it will be presumed that the insured person
suffered loss of life resulting from accidental bodily injury.

3.7 Beneficiary
Any loss of life benefit payable under this certificate of insurance will be paid to your estate, unless
a beneficiary designation has been filed with Allianz Global Assistance. All other benefits are payable
to you. If you wish to designate a specific beneficiary, please contact the Operations Centre at
1 877 704-0341 or 519 741-0782.

32 Information Guide
3.8 Limitations and exclusions
This insurance does not cover, provide services for or pay claims resulting from:
a) Sickness - Sickness, illness, bodily or mental infirmity or disease of any kind.
b) Treatment - Medical or surgical treatment or complications arising therefrom, except when required
as a direct result of an accidental bodily injury.
c) Intentional Act - Suicide, attempted suicide or self-inflicted injury.
d) Illegal Act - Your involvement in the commission or attempted commission of a criminal offence or
illegal act.
e) Abuse of Drugs or Intoxicants - Any voluntary taking of poison, toxic substances or non-toxic
substances or drugs, sedatives or narcotics, whether illicit or prescribed, in such quantity that they
become toxic, or voluntary inhalation of a gas.
f) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist
events; political risk or any service in the armed forces.
g) Nuclear Reaction, Contamination, etc. - Exposure to nuclear reaction or radiation; radioactive,
biological or chemical contamination.
h) Operating or Learning to Operate an Aircraft - Your operating, learning to operate or serving as a
member of the crew of any aircraft.
i) Sanctions - Your 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.

3.9 Claim filing procedures

You must contact the Operations Centre as soon as reasonably possible to report a claim. Upon receipt
of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• A copy of the primary cardholder’s monthly billing statement and/or receipt reflecting that the cost
of the common carrier ticket was paid in full using the cardholder’s credit card. This charge must
appear on your statement within ninety (90) days of the incident.
• A certified copy of the death certificate, if applicable.
• A certified copy of all documents supporting the claimant’s authority (e.g. Letters Testamentary, Letters
of Administration, Guardianship papers, etc.), if applicable.
• Copies of all police reports, newspaper articles, etc., describing the accident.
• Any other documentation that may be required to process your claim.
3.10 Specific conditions
In addition to the specific conditions below, Common Carrier Insurance is subject to the General
Conditions and General Provisions found in sections 8 and 9.
1. Due Diligence: You shall use diligence and do all things reasonable to avoid or diminish any loss or
accidental bodily injury.
2. You agree to cooperate fully with us, and as a condition to the payment of benefits, the Operations
Centre reserves the right to obtain all pertinent records or information from any physician, dentist,
practitioner, hospital, clinic, insurer, individual or institution to assess the validity of a claim
submitted by or on behalf of any insured person. Failure to provide the requested documentation to
substantiate your claim under this certificate of insurance will invalidate your claim.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 33
3. Physical Examination: The Operations Centre has the right to investigate the circumstances of loss
and to require a medical examination; and in the event of death to require an autopsy at our cost, if
not prohibited by law.

4. Flight delay insurance

4.1 Introduction
Flight Delay Insurance provides coverage for reasonable additional accommodation and travelling
expenses in the event of a delay of more than four (4) hours in the arrival or departure of your regularly
scheduled flight on a commercial airline.
Ticket means evidence of full fare, including any applicable taxes and/or fees, paid for travel on a
commercial airline, which has been completely charged to the account.
Trip means a period during which you are travelling outside of your province or territory of residence
and for which the full cost of your ticket has been charged to the cardholder’s credit card.

4.2 What to do if your flight is delayed

If your flight is delayed you must contact the Operations Centre immediately after learning of any delay.
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

IMPORTANT NOTICE - PLEASE READ CAREFULLY

This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• Coverage under this certificate of insurance is secondary, in that it covers expenses in excess of
those payable by any other insurance plan or other source of reimbursement.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

4.3 Coverage eligibility

To be eligible for the Flight Delay Insurance:
a) you must be a resident of Canada;
b) you must pay the full cost of your ticket, including any applicable taxes and/or fees, with the
cardholder’s credit card; and
c) the account must be in good standing.
4.4 Coverage period
Coverage begins at the time of your departure on your trip.
Coverage ends on the earliest of:
a) the time you return to your original departure point; or
b) the date the account is cancelled or no longer in good standing; or
c) the date the Policy is cancelled by us or by BMO.

34 Information Guide
4.5 Coverage benefits
Flight Delay Insurance benefits are payable in the event of a delay of more than four (4) hours in the
arrival or departure of your regularly scheduled flight on a commercial airline. You will be reimbursed
up to a maximum of $500 per trip for all insured persons combined, for reasonable, additional
accommodation and travelling expenses. Expenses must be incurred by you as a result of the delay.
Prepaid expenses are not covered.

4.6 Limitations and exclusions

This insurance does not cover, provide services or pay claims resulting from:
a) Operating or Learning to Operate an Aircraft -Your operating, learning to operate or serving as a
member of the crew of any aircraft.
b) Illegal Act - Your involvement in the commission or attempted commission of a criminal offence or
illegal act.
c) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist
events; political risk or any service in the armed forces.
d) Bankruptcy or Insolvency - Default of a travel supplier ceasing operations as a result of bankruptcy
or insolvency.
e) Sanctions - Your 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.

4.7 Claim filing procedures

You must notify the Operations Centre immediately after learning of any delay of your flight. Upon receipt
of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• Proof of your scheduled departure time.
• Original receipts and invoices for all expenses.
• Originals of any refunds or expense allowances received from your travel supplier.
• Original commercial airline report or other report that verifies the cause and duration of the delay.
• A copy of the primary cardholder’s monthly billing statement and/or receipt reflecting that the ticket
was paid in full using the cardholder’s credit card.
• Any other documentation that may be required to process your claim.
4.8 Specific condition
In addition to the specific condition below, Flight Delay Insurance is subject to the General Conditions and
General Provisions found in sections 8 and 9.
You agree to cooperate fully with the Operations Centre, and as a condition to the payment of benefits,
the Operations Centre reserves the right to obtain all pertinent records or information from you. Failure
to provide the requested documentation to substantiate your claim under this certificate of insurance
will invalidate your claim.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 35
5. Baggage insurance
5.1 Introduction
Baggage Insurance provides coverage if your baggage is delayed by the common carrier for more than
six (6) hours, or if your baggage is lost, stolen or accidentally damaged while checked in with, or carried
on, a common carrier during your trip.
Ticket means evidence of full fare, including any applicable taxes and/or fees, paid for travel on a
common carrier, which has been completely charged to the account.
Trip means a period during which you are travelling outside of your province or territory of residence
and for which the full cost of your ticket has been charged to the cardholder’s credit card.

5.2 What to do if your baggage is delayed, lost, damaged or stolen

If your baggage is delayed or if your baggage is lost, stolen or accidentally damaged while checked
in with, or carried on, a common carrier during your trip, you must contact the Operations Centre
immediately after learning of any loss or occurrence.
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

IMPORTANT NOTICE - PLEASE READ CAREFULLY

This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• Coverage under this certificate of insurance is secondary, in that it covers expenses in excess of
those payable by any other insurance plan or other source of reimbursement.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

5.3 Coverage eligibility

To be eligible for Baggage Insurance:
a) you must be a resident of Canada; and
b) you must pay the full cost of your ticket, including any applicable taxes and/or fees with the
cardholder’s credit card prior to departure; and
c) the account must be in good standing.
5.4 Coverage period
Coverage begins at the time your baggage is checked in with, or carried on, a common carrier during
your trip.
Coverage ends on the earliest of:
a) the time the checked-in baggage has been unloaded and placed in the common carrier’s baggage
pick-up area for retrieval by you and, for carry-on baggage, when you leave the common carrier; or
b) the date the account is cancelled or no longer in good standing; or
c) the date the Policy is cancelled by us or by BMO.

36 Information Guide
5.5 Coverage benefits
Baggage Insurance covers:
a) Baggage loss, theft or damage: you will be reimbursed the actual cash value of baggage and
personal effects up to $500 per insured person, to a maximum of $1,000 per trip for all insured
persons combined, for loss, theft or damage of baggage and/or personal effects worn or used by
you when checked in with, or carried on, a common carrier during your trip. Coverage is limited to
$500 per item.
b) Baggage delay: If your checked baggage is delayed by the common carrier for more than six (6)
hours, during the trip en route to your destination and before returning to your original point of
departure, you will be reimbursed up to $500 per insured person, to a maximum of $1,000 per trip
for all insured persons combined, for the purchase of essential items. Purchases must be made
within thirty-six (36) hours of your arrival at your destination. The costs of items purchased under this
benefit will reduce the maximum amount payable under a) above if it is later determined that your
personal baggage has been lost, stolen or damaged.
Note: This benefit is only available for your outbound travel; baggage delay is not available on
your return travel back to your province or territory of residence.

5.6 Limitations and exclusions

This insurance does not cover, provide services or pay claims resulting from:
a) Wear and Tear - Loss caused by normal wear and tear, gradual deterioration, moths, or vermin.
b) Animals, Automobiles, Money, etc. - Loss of animals; automobiles, (including equipment and
contents), trailers, motorcycles, bicycles, boats, motors, other conveyances or their accessories;
souvenirs, fragile or collectible items; consumable or perishable goods (e.g., any items that have
an expiry date, including food, cosmetics, fragrances, lotions and skin products); household effects
and furnishings; contact lenses, prescription glasses, non-prescription sunglasses; artificial teeth and
prostheses, medical equipment and appliances; money, securities; tickets, documents; any property
pertaining to as business, profession or occupation; personal computers; software; or cellular phones.
c) Jewelry, Furs and Camera Equipment - Loss or damage to jewelry, gems, watches, furs or garments
trimmed with fur, or camera equipment.
d) Illegal Act - Your involvement in the commission or attempted commission of a criminal offence or
illegal act.
e) Items Otherwise Insured - Items specifically or otherwise insured.
f) Sanctions - Your 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.
g) Other - Loss of covered and non-covered items sustained due to any process or while being worked
upon; radiation; confiscation by any government authority; war (declared or undeclared) or acts of
war; or contraband or illegal transportation or trade.

5.7 Claim filing procedures

You must notify the Operations Centre immediately after learning of any loss or occurrence. Upon
receipt of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• A copy of the baggage claim ticket.
• A copy of the primary cardholder’s monthly billing statement and/or receipt reflecting that the ticket
was paid in full using the cardholder’s credit card.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 37
• Proof of delay of checked baggage from the common carrier (Baggage Delay).
• Original receipts for essential items purchased (Baggage Delay).
• Original claim determination from the common carrier (Baggage Loss/Theft/Damage)
• Original police report or other report of local authorities (Baggage Loss/Theft/Damage)
• Any other documentation that may be required to process your claim.

5.8 Specific conditions

In addition to the specific conditions below, Baggage Insurance is subject to the General Conditions and
General Provisions found in sections 8 and 9.
1. Due Diligence – The primary cardholder and any insured person shall use diligence and do all
things reasonable to avoid or diminish any loss of or damage to the personal property protected by
this insurance.
2. You agree to cooperate fully with the Operations Centre, and as a condition to the payment of
benefits, the Operations Centre reserves the right to obtain all pertinent records or information from
you. Failure to provide the requested documentation to substantiate your claim under this certificate
of insurance will invalidate your claim.
3. In the event of loss of an article which is part of a pair or set, the measure of loss shall be at a
reasonable and fair proportion of the total value of the pair or set, giving consideration to the
importance of such article and with the understanding that such loss shall not be construed to mean
total loss of the pair or set.
4. We shall not be liable beyond the actual cash value of the property at the time any loss occurs.
We reserve the right to repair or replace any damaged or lost property with other of like quality and
value, and to require submission of property for appraisal of damage.
5. Benefits are only available to the extent that the personal property in question is not otherwise
protected or insured in whole or in part. Benefits are in excess of all other applicable valid insurance,
indemnity protection or warranty available to you in respect of the personal property subject to the
claim. We will only be liable for the excess of the amount of the loss or damage over the amount
covered under such other insurance, indemnity or protection and for the amount of any applicable
deductible, only if all other insurance has been exhausted and subject to the exclusions, terms and
limits of liability set out in this certificate of insurance. This coverage will not apply as contributing
insurance and this non-contribution provision shall prevail despite any non-contribution provision in
other insurance, indemnity or protection policies or contracts.

6. Hotel burglary insurance

6.1 Introduction
Hotel Burglary Insurance provides coverage for the repair or replacement of your personal property that is
lost, stolen or damaged due to burglary of your travel accommodation.

6.2 What to do if you experience a loss, theft or damage due to burglary

If your personal property is lost, stolen or damaged due to burglary of your travel accommodation, you
must contact the Operations Centre immediately after learning of any loss or occurrence.
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

IMPORTANT NOTICE - PLEASE READ CAREFULLY

This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.

38 Information Guide
 • Coverage under this certificate of insurance is secondary, in that it covers expenses in excess of
those payable by any other insurance plan or other source of reimbursement.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

6.3 Coverage eligibility

To be eligible for Hotel Burglary Insurance:
a) you must be a resident of Canada; and
b) you must pay the full cost of your travel accommodation, including any applicable taxes with the
cardholder’s credit card; and
c) the account must be in good standing.
6.4 Coverage period
Coverage begins at the actual time you check into your travel accommodation.
Coverage ends on the earliest of:
a) the time you check-out from your travel accommodation; or
b) the date the account is cancelled or no longer in good standing; or
c) the date the Policy is cancelled by us or by BMO.
6.5 Coverage benefits
This insurance provides coverage in the event your personal property is lost or damaged, as a result of
burglary of your travel accommodation while registered as a guest.
The maximum benefit payable for any one (1) claim is the lesser of:
a) the actual replacement value of your personal property at the time of burglary; or
b) the cost to replace your personal property with property of like quality and value if an identical
replacement cannot be reasonably obtained; or
c) the cost to repair your personal property to its condition prior to the burglary.
The maximum benefit payable for all insured persons combined is $1,000 per burglary occurrence.

6.6 Limitations and exclusions

This insurance does not cover, provide services or pay claims resulting from:
a) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist
events; political risk or any service in the armed forces.
b) Money or Perishable Goods - The loss of or damage to money (whether paper or coin), tickets,
consumable or perishable goods (e.g., any items that have an expiry date, including food, cosmetics,
fragrances, lotions and skin products), bullion, banknotes, negotiable instruments or other numismatic
property.
c) Illegal Act - Your involvement in the commission or attempted commission of a criminal offence or
illegal act.
d) Mysterious Disappearance – Mysterious disappearance of the article of personal property in
question.
e) Failure to Secure Accommodation -Your failure to make a reasonable effort to protect your personal
property or to secure your travel accommodation.
f) Sanctions - Your 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.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 39
6.7 Claim filing procedures
You must notify the Operations Centre immediately after learning of any loss or occurrence. Upon
receipt of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, we will need certain information from
you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• Charge slip for the travel accommodation.
• A copy of the primary cardholder’s monthly billing statement and/or receipt reflecting that the travel
accommodation was paid in full using the cardholder’s credit card.
• The loss, expense or service for which benefits are being claimed (original itemized receipts).
• Original police report or other report to local authorities confirming the burglary.
• The travel accommodation’s burglary report.
• Receipts for the repair or replacement of your personal property.
• Any other documentation that may be required to process your claim.

6.8 Specific conditions

In addition to the specific conditions below, Hotel Burglary Insurance is subject to the General Conditions
and General Provisions found in sections 8 and 9.
1. Due Diligence – The primary cardholder and any insured person shall use diligence and do all
things reasonable to avoid or diminish any loss of or damage to the personal property protected by
this insurance.
2. You agree to cooperate fully with us, and as a condition to the payment of benefits, the Operations
Centre reserves the right to obtain all pertinent records or information from you. Failure to provide
the requested documentation to substantiate your claim under this certificate of insurance will
invalidate your claim.
3. Benefits are only available to the extent that the personal property in question is not otherwise
protected or insured in whole or in part. Benefits are in excess of all other applicable valid insurance,
indemnity protection or warranty available to you in respect of the personal property subject to the
claim. We will only be liable for the excess of the amount of the loss or damage over the amount
covered under such other insurance, indemnity or protection and for the amount of any applicable
deductible, only if all other insurance has been exhausted and subject to the exclusions, terms and
limits of liability set out in this certificate of insurance. This coverage will not apply as contributing
insurance and this non-contribution provision shall prevail despite any non-contribution provision in
other insurance, indemnity or protection policies or contracts.

7. Purchase security & extended warranty insurance

7.1 Introduction
Purchase Security Insurance covers against theft of, or damage to, covered items within the first ninety
(90) days from the date of purchase. Extended Warranty Insurance doubles the original manufacturer’s
warranty up to a maximum extension of one (1) year.

7.2 What to do if you have a loss or occurrence

You must notify the Operations Centre immediately after any loss or occurrence.
• From Canada and the United States call: 1 877 704-0341
• From elsewhere call collect: 519 741-0782

40 Information Guide
 IMPORTANT NOTICE - PLEASE READ CAREFULLY
This certificate of insurance contains a provision removing or restricting the right of the insured
person to designate persons to whom or for whose benefit insurance money is to be payable.
• It is important that you read and understand this certificate of insurance as your coverage is
subject to limitations and exclusions.
• This certificate of insurance is designed to cover losses arising from sudden and unforeseeable
circumstances only.
• Coverage under this certificate of insurance is secondary coverage to any other insurance plan or
manufacturer’s warranty, in that it covers expenses in excess of those payable by any other plan or
others source of reimbursement.
• No person is eligible for coverage under more than one (1) certificate of insurance providing
insurance coverage similar to that provided hereunder. In the event that any person is recorded by
us as an insured person under more than one (1) such certificate, such person shall be deemed
to be insured only under the certificate or policy which affords that person the greatest amount of
insurance coverage. This certificate of insurance replaces any certificate or policy previously issued
to the primary cardholder with respect to the Policy.

7.3 Purchase security insurance

7.3.1 Coverage Eligibility
To be eligible for Purchase Security Insurance:
a) you must be a resident of Canada; and
b) you must pay the full purchase price of personal property or gift items with the cardholder’s
credit card; and
c) the account must be in good standing.
7.3.2 Coverage period
Coverage begins on the date of purchase, subject to the terms and conditions of this certificate of
insurance. There is no registration required.
Coverage ends on the earliest of:
a) the ninety-first (91st ) day from the date of purchase; or
b) the date the account is cancelled or no longer in good standing; or
c) the date the Policy is cancelled by us or by BMO.
7.3.3 Coverage benefits
This insurance covers against theft of, or damage to, covered items anywhere in the world. If such item
is stolen or damaged, it will be repaired, replaced or you will be reimbursed the purchase price, at
the Operations Centre’s discretion. The overall lifetime maximum of applicable insurance for Purchase
Security and Extended Warranty combined is $60,000 per account.

7.3.4 Limitations and exclusions

In addition to the limitations and exclusions listed below, Purchase Security Insurance is also subject to
the General Limitations and Exclusions found in section 7.5.
The following items are not covered:
a) Money – Traveller’s cheques, money (paper or coin), tickets, documents, bullion, banknotes,
negotiable instruments or other numismatic property.
b) Animals and Plants – Animals, fish, birds or living plants.
c) Consumable and Perishable Goods – Consumable and/or perishable goods (e.g. any items that have
an expiry date, including food, cosmetics, fragrances, lotions and skin products).
d) Mail Order Purchases – Mail order purchases or purchases made from an online site, until delivered
and accepted by you in perfect condition.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 41
e) Jewelry and Furs – Jewelry, gems, watches and furs or garments trimmed with fur stored in baggage
unless such baggage is hand carried under your personal supervision.
f) Other – items left behind.

7.4 Extended warranty insurance

7.4.1 Coverage eligibility
To be eligible for Extended Warranty Insurance:
a) you must be a resident of Canada; and
b) you must pay the full purchase price of personal property or gift items with the cardholder’s
credit card; and
c) the account must be in good standing.
Regardless of where the item is purchased the original manufacturer’s warranty must be valid in Canada.
Coverage is available automatically, except when the original manufacturer’s warranty exceeds five (5)
years, in which case you must register the item with the Operations Centre within one (1) year of the
date of purchase.

7.4.2 Coverage benefits

Extended Warranty Insurance doubles the original manufacturer’s warranty up to a maximum extension of
one (1) year. We will reimburse you, at the Operations Centre’s discretion, the lesser of the cost to repair
or to replace the item. Terms of the extension will be in accordance with the original manufacturer’s
warranty, excluding any extended warranty offered by the manufacturer or any other party. The overall
lifetime maximum of applicable insurance for Extended Warranty and Purchase Security combined is
$60,000 per account.

7.4.3 Limitations and exclusions

In addition to the limitations and exclusions listed below, Extended Warranty Insurance is also subject to
the General Limitations and Exclusions found in section 7.5.
a) Extended warranty benefits end automatically when the original manufacturer ceases to carry on
business for any reason whatsoever.
b) Items with a lifetime warranty are not covered.
c) The extended warranty applies only to any parts and/or labour costs resulting from mechanical
breakdown or failure of a covered item, or any other obligations that were specifically covered under
the terms of the original manufacturer’s warranty that is valid in Canada. The Operations Centre,
may, at its sole option, elect to replace the item should it prove to be less expensive than the cost of
repair.
Note: This insurance reflects the terms and conditions of the original manufacturer’s warranty.
Therefore, if the original warranty did not have the option for replacement instead of repair, this
insurance will not have the option of replacement.

7.5 General Limitations and Exclusions

The following general limitations and exclusions apply to Purchase Security Insurance and Extended
Warranty Insurance.

7.5.1 Limitations
a) Eligible items that you give as a gift are covered, however you, not the recipient, must make the
claim for benefits.
b) Theft from a vehicle or residence when evidence of forcible entry is not apparent regardless of
whether or not all entry points were locked.

7.5.2 Exclusions
Claims resulting from the following are not covered:
a) Illegal Act – Fraud; confiscation by authorities, risks of contraband, illegal activities.

42 Information Guide
b) War, Terrorist Event, Political Risk, etc. - War (declared or undeclared) or acts of war; terrorist
events; political risk or any service in the armed forces.
c) Nuclear Reaction, Contamination, etc. - Nuclear reaction; radiation; radioactive, biological or
chemical contamination; seepage; pollution or contamination.
d) Delay or Loss-of-Use – Delay, loss-of-use, or consequential damages.
e) Misuse, Wear and Tear – Misuse, abuse, normal wear and tear, gradual deterioration, inherent
product defects.
f) Used and Refurbished Items – Used and/or pre-owned items, newly purchased items that have
been rebuilt, refurbished or returned and re-sold.
g) Vehicles – Automobiles, trailers, motorcycles, motorboats, or accessories attached to or mounted
on such property, airplanes, drones, motor scooters, snow blowers, riding lawnmowers, golf carts,
lawn tractors, motorized wheelchairs or any other motorized vehicles except for miniature electrically
powered vehicles intended for children or any of their respective parts or accessories.
h) Installation Process – Loss or damage while undergoing any installation process or while being
worked on, where damage results from such installation process or work.
i) Natural Disasters – Loss or damage caused by a natural disaster, including flood or earthquake.
j) Temperature and Atmospheric Changes – Setting, expansion or contraction, bulging, buckling
or cracking, temperature changes, freezing, heating, atmospheric changes, dampness or dryness,
evaporation and/or leakage of contents, exposure to light, change in texture, finish or colour, rust or
corrosion.
k) Sports Equipment – Loss or damage to sports equipment and/or goods due to the use thereof.
l) Mysterious Disappearance - Mysterious disappearance of the article of personal property or gift
in question.
m) Unconditional Guarantee – Products purchased with an unconditional guarantee.
n) Commercial Property – Any and all property items and/or equipment intended for commercial use.
Personal property used for a business is not covered. Examples include but are not limited to office
furniture and equipment.
o) Property, Punitive or Exemplary Damages – Bodily injury, property damages, consequential
damages, punitive damages, exemplary damages, attorney’s fees and other ancillary costs are not
covered.
p) Sanctions – Your 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.
q) Other - Insects or vermin; one of a kind items that cannot be replaced.

7.6 Claim filing procedures

You must notify the Operations Centre immediately after learning of any loss or occurrence. Upon
receipt of such notice, the Operations Centre will provide you with the appropriate claim forms.
SEND YOUR CLAIM FORMS AND SUPPORTING DOCUMENTS TO:
Operations Centre
c/o Allianz Global Assistance, Claims Department
P. O. Box 277
Waterloo, Ontario, Canada N2J 4A4
Toll-free Canada/U.S.A.: 1 877 704-0341
Collect worldwide: 519 741-0782
As a condition to the payment of benefits under this insurance, the Operations Centre will need certain
information from you if you need to file a claim. This includes, and is not limited to, the following:
• A fully completed claim form signed by you.
• A copy of the original store receipt for the item purchased.
• A copy of the primary cardholder’s monthly billing statement reflecting the item purchased was paid
in full using the cardholder’s credit card.
• A copy of the original store receipt for the replacement item, if applicable.
• Photo of the damaged item, if applicable.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 43
• At the sole discretion of the Operations Centre, you may be required to send at your own expense,
the damaged item on which a claim is based to an address designated by the Operations Centre.
• Declaration’s page from any other applicable insurance or a notarized statement that the cardholder
has no other insurance.
• Original police report or other report to local authorities (Purchase Security).
• A copy of the repair bill or estimate (from the manufacturer’s authorized repair facility for Extended
Warranty).
• A copy of the manufacturer’s original Canadian warranty (Extended Warranty).
• Any other documentation that may be required to process your claim.
7.7 Specific conditions
In addition to the specific conditions below, Purchase Security Insurance and Extended Warranty Insurance
are subject to the General Conditions and General Provisions found in sections 8 and 9.
1. Due Diligence – You shall use diligence and do all things reasonable to avoid or diminish any loss of
or damage to property protected by this insurance.
2. You agree to cooperate fully with us, and as a condition to the payment of benefits, the Operations
Centre reserves the right to obtain all pertinent records or information from you. Failure to provide
the requested documentation to substantiate your claim under this certificate of insurance will
invalidate your claim.
3. Benefits are only available to the extent that the item in question is not otherwise protected or insured
in whole or in part. Benefits are in excess of all other applicable valid insurance, indemnity protection
or warranty available to you in respect of the item subject to the claim. We will only be liable for the
excess of the amount of the loss or damage over the amount covered under such other insurance,
indemnity or protection and for the amount of any applicable deductible, only if all other insurance has
been exhausted and subject to the exclusions, terms and limits of liability set out in this certificate of
insurance. This coverage will not apply as contributing insurance and this “non-contribution” provision
shall prevail despite any “non-contribution” provision in other insurance, indemnity or protection policies
or contracts.
4. Where a covered item is part of a pair or set, you will receive no more than the value of the particular
part or parts stolen or damaged, regardless of any special value that the item may have as part of an
aggregate purchase price of such pair or set.
5. The Operations Centre, may, at its sole option, elect to a) repair, rebuild or replace the item stolen
or damaged (whether wholly or in part), upon notifying you of its intention to do so within sixty (60)
days following receipt of the required proof of loss; or b) reimburse you for the item, not exceeding
the purchase price.
6. You will be entitled to receive no more than the original purchase price of the covered item as
recorded on the credit card sales receipt.

8. General conditions
The following general conditions apply to ALL coverages included in this certificate of insurance.
1. Misrepresentation and Non-Disclosure: You must be accurate and complete in your dealings with
us at all times. You have an obligation to disclose every material fact to us. Any information that
has been misrepresented or misstated to us by you or is incomplete may result in the certificate of
insurance being null and void at our option, and any claim submitted shall not be payable. We will
not pay a claim if you, any person insured under the certificate of insurance or anyone acting on
your behalf attempts to deceive us or makes a fraudulent, false or exaggerated statement of claim.
2. In the event of a payment under the certificate of insurance, the Operations Centre, on our behalf,
has the right to proceed in your name against third parties who may be responsible for giving rise
to a claim under this insurance. We have full rights of subrogation. You will execute and deliver such
documents, and fully cooperate with the Operations Centre, so as to allow the Operations Centre to
fully assert our right to subrogation. You will not do anything after the loss to prejudice such rights.
3. You must repay to us amounts paid or authorized for payment on your behalf if the Operations
Centre later determines the amount is not payable under this insurance.

44 Information Guide
4. You, or someone acting on your behalf, must give written notice of a claim to the Operations
Centre not later than thirty (30) days from the date the claim arises. The Operations Centre must
be provided by you or someone acting on your behalf with satisfactory proof of claim no later than
ninety (90) days from the date the claim arises.
Failure to give notice of claim or furnish proof of loss within the time prescribed does not invalidate
the claim if it is shown that it was not reasonably possible to give notice or furnish proof within the
time so prescribed and if the notice or proof is given or furnished as soon as reasonably possible, and
in no event later than one (1) year from the date of the event for which benefits are being claimed.
Failure to provide the requested documentation to substantiate your claim under the certificate of
insurance will invalidate your claim.
5. Assignment: No other person or entity shall have any right, remedy or claim (legal or equitable) to
these benefits. You shall not assign these benefits.

9. General provisions
The following general provisions apply to ALL coverages included in this certificate of insurance.
1. Currency: All amounts stated in the certificate of insurance are in Canadian currency unless
otherwise indicated. If you have paid a covered expense, you will be reimbursed in Canadian
currency at the prevailing rate of exchange on the date the service was provided.
2. Payment of Benefits: Benefits payable under the certificate of insurance will be paid within sixty
(60) days of receipt of satisfactory proof of loss. Payment made in good faith will discharge us to the
extent of this claim.
3. Benefits Limited to Incurred Expenses: The total benefits paid to you from all sources cannot
exceed the actual expenses which you have incurred.
4. Interest: This insurance does not pay interest on benefits or for interest on charges made to the
credit card.
5. Waiver: Notwithstanding anything to the contrary, no provision of the certificate of insurance shall
be deemed to have been waived, either in whole or in part, unless the waiver is clearly stated in
writing and signed by us.
6. Governing Laws: The benefits, terms and conditions of the certificate of insurance shall be governed
by the insurance laws of the province or territory in Canada where you normally reside.
7. Conflict with Laws: Any provision of the certificate of insurance, which is in conflict with any
federal, provincial or territorial law of your place of residence, is hereby amended to conform to the
minimum requirements of that law.
8. Limitation of Action: 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), The Limitations Act (for actions or
proceedings governed by the laws of Saskatchewan), 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.
9. You, your heirs and assigns consent to the venue of any action or arbitration being only in the
province or territory where the certificate of insurance was issued and at a venue we and/or the
Operations Centre choose.

10. Travel assistance services

Assistance services are available to you twenty-four (24) hours a day, seven (7) days a week. The
Operations Centre can provide you with important information you need before your trip and emergency
medical services or non-medical emergency services you may require during your trip.
Note: The assistance services listed below are for your convenience only. Any expenses incurred
related to utilizing these helpful services may not be covered under this certificate of insurance.

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 45
Please refer to the benefit wording in each of the coverage sections for details of what is covered.
Pre-trip assistance services
• Passport and travel visa information
• Health hazards and travel advisories
• Inoculation and vaccination requirements
• Weather information
• Currency exchange information
• Consulate and embassy locations
• Coverage-related questions and inquiries
Medical emergency assistance services
• Monitoring the status of your medical case and communicating between patient, family physician,
employer, travel supplier, consulate, etc.
• Coordinating travel arrangements as follows:
− emergency medical transportation and treatment while you are travelling, at the request of you or
your physician;
− escort and transportation home for stranded dependent children and/or other extended family
members or friends while you are in hospital;
− your return home if you become ill or injured;
− services for the repatriation of your remains should you die away from home.
Non-medical emergency assistance services
• Emergency Cash Transfer – in the event of an emergency, the Operations Centre will coordinate
between you and your friend, family member, business or credit card company for a cash transfer.
• Lost Baggage - the Operations Centre will help you replace lost or stolen baggage and personal
effects.
• Document and Ticket Replacement – the Operations Centre will help you replace lost or stolen
travel documents and/or airline tickets.
• Emergency Message Services – the Operations Centre will take emergency messages from or for
you.
• Legal Services – the Operations Centre will help you contact a local attorney or the appropriate
consular officer if you are arrested or detained, are in a traffic accident or otherwise require legal help.
• Bail Bond Services – the Operations Centre will help you in coordinating these services in all
available locations.

11. Collection and use of your personal information

Protecting your personal information is a top priority. This Personal Information Notice explains how and
what types of personal data will be collected, why it is collected and to whom it is shared or disclosed.
PLEASE READ THIS NOTICE CAREFULLY.
CUMIS General Insurance Company, a member of The Co-operators group of companies (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 your personal information.
Personal information we collect
We will collect your personal information including but not limited to:
• Surname, First name
• Address
• Date of Birth
• Telephone numbers
• Email addresses

46 Information Guide
• Credit/debit card and bank account information
• Sensitive personal information such as: Medical information relating to your health status, excluding
genetic test results.
How will we obtain and use your personal information?
This personal information is collected for the following insurance purposes when offering and providing
insurance and related services:
• To 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 adjudicate 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
We reserve our right to collect personal information, necessary for insurance purposes, from the following
individuals:
• Individuals who apply for insurance products
• Certificate holder and/or policyholders
• Insureds and/or claimants
• Family members, spouses, or as a last resort friends or travelling companions of a certificate or
policyholder, insured or claimant, in cases where the proper individual is unable, for medical or other
reasons, to communicate directly with us.
Who will have access to your personal information?
We disclose information for insurance purposes, to and with, third parties such as, but not necessarily
limited to, other Allianz group companies, health care practitioners and facilities in Canada and abroad,
government and private health insurers and family members and friends/travelling companions of
the certificate holder or policyholder, insured or claimant and agencies. We may also use and disclose
information from our existing files for insurance purposes. Our employees who require this information
for the purposes of their duties will have access to this file. Upon your request and authorization, we may
also disclose this information to other persons. From 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”). 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.
What are your rights in respect of your personal data?
When permitted by applicable law and regulations you have the right to:
• Access your personal data held about you
• Withdraw consent at any time where your personal data is processed
• Update or correct your personal information so that it is always accurate
• Delete your personal information from our records, if it is no longer needed for the purposes indicated
above
• File a complaint with us and/or relevant data protection authority
You may exercise these rights by contacting the Privacy Officer at privacy@allianz-assistance.ca.
How long do we keep your personal data?
We will retain the personal information we collect for a specified period of time and in a storage method

BMO CashBack World Elite Travel and Medical Protection Certificate of Insurance 47
appropriate with legal and our internal corporate requirements. Personal information will be securely
destroyed following the expiration of the appropriate retention period. Individuals 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:
Privacy Officer
Allianz Global Assistance
700 Jamieson Parkway
Cambridge, ON N3C 4N6
Canada
How can you contact us?
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.
For a complete copy of our Privacy Policy please visit www.allianz-assistance.ca.
How often do we update this privacy notice?
We regularly review this Privacy Notice. We will ensure the most recent version is available on our
website, www.allianz-assistance.ca.

Contact Information
Administrator
Allianz Global Assistance
Please contact Allianz Global Assistance with any questions or claims.
700 Jamieson Parkway
Cambridge, ON N3C 4N6
Canada
Toll-free: 1 877 704-0341 (In Canada & U.S.)
Insurer
CUMIS General Insurance Company
P.O. Box 5065, 151 North Service Road
Burlington, ON L7R 4C2
Canada
Toll-free: 1-800-263-9120

48 Information Guide
CashBack Rewards
Terms and Conditions

49
If you have the BMO CashBack World Elite Mastercard, BMO CashBack World Mastercard, or the
BMO CashBack Mastercard, you agree to the following terms and conditions which form part of the
BMO Mastercard Cardholder Agreement between you and us. In these terms and conditions, “you”
means the primary cardholder. All other definitions contained in the BMO Mastercard Cardholder
Agreement apply to these terms and conditions.

1. When CashBack Rewards Are Issued

Purchases, less any refunds shown on your account statements, qualify for CashBack rewards if:
• your account is in good standing, and
• the purchases are charged to your account after we have completed your request to obtain a BMO
CashBack World Elite Mastercard, BMO CashBack World Mastercard, or the BMO CashBack Mastercard
account.

2. When CashBack Rewards Are Not Issued

Cash Advances, interest charges, fees, payments, credit or debit adjustments and any amount other
than purchases that may be charged to your Account with your card or cheques, do not qualify for
CashBack rewards. We may establish other qualifying and nonqualifying transactions from time to
time.

3. How CashBack Rewards Are Issued

Where purchases qualify for CashBack rewards, CashBack rewards will be issued based on the
award level established by us from time to time in the period ending with your most recent account
statement. CashBack rewards are rounded down to the nearest cent. If an Account statement shows
more refunds than purchases, CashBack rewards will be deducted from accumulated CashBack rewards
or from CashBack rewards you receive later. These deductions will be calculated on the same basis as
set out above.

4. Bonus CashBack Rewards

From time to time, we may offer bonus CashBack rewards for purchases at designated merchants or
types of merchants. Additional terms and conditions may apply to these programs.
We may also offer a first use bonus on your credit card, which is applied to your account when making
your first purchase with your card.
If your card has an annual card fee, and:
• you cancel your card within thirty days of the card fee being billed to your account, and;
• the card fee is refunded, the first use bonus will be cancelled.
If you have a no fee card or the annual card fee is waived, the first use bonus will be cancelled if you
cancel the card within thirty days of account opening.

5. Withdrawing CashBack Rewards

We may cancel or reverse any CashBack rewards not issued properly. We may refuse to issue CashBack
rewards or may withdraw CashBack rewards already issued if your Account is not in good standing.

6. Redeeming CashBack Rewards

CashBack rewards can only be redeemed by the primary cardholder or a person authorized by the primary
cardholder to provide instructions to us, and obtain information from us about your account.
In order to redeem CashBack rewards, your account must be in good standing (meaning not cancelled,
past due or otherwise in default under the terms of the BMO Credit Card Cardholder Agreement,
including these terms and conditions) and by logging into the BMO CashBack website at bmocashback.
com. A minimum CashBack rewards balance of $1.00 is required to redeem.
If you have a negative CashBack rewards balance (because you have had more refunds than new
purchases), CashBack rewards will be deducted from accumulated CashBack rewards or from CashBack
rewards you receive later.

50 Information Guide
7. Cancellation of the Account and Expired CashBack Rewards
CashBack rewards will not expire as long as your account remains open and in good standing. Upon
cancellation of the account you will have ninety (90) days in which to redeem by logging into the BMO
CashBack website at bmocashback.com. In order to redeem, account registration at the BMO CashBack
website is required prior to cancellation of the account. After the ninety (90) day period any CashBack
rewards which remain on your account will expire.

8. Transferability
CashBack rewards are not transferable to any other account.

9. Amendment and Cancellation

If you reside outside Quebec: We have the right at any time to amend these terms or cancel the
CashBack Reward program or the BMO Roadside Assistance Program. If we cancel the CashBack
Rewards program, we will credit your account for the CashBack rewards you have previously earned,
unless your account is not in good standing at that time.
If you reside within Quebec: We may change any terms and conditions of the CashBack Reward
program (including but not limited to the CashBack Reward earn rate, the cancellation of the BMO
Roadside Assistance Program and the cancellation of the CashBack Reward program) at any time by
giving you notice at least 60 days (but not more than 90 days) before such change comes into force.
The notice will be drawn up clearly and legibly and will either set out the amended clause of the
terms and conditions or both the amended clause and the clause as it read formerly as well as the
date of the coming into force of the amended clause. If we cancel the CashBack Rewards program, we
will credit your account for the CashBack rewards you have previously earned, unless your account is
not in good standing at that time.

10. How To Contact Us

For questions regarding the program, visit us at bmo.com/creditcards or call us. You will find the
designated phone number and hours of service, specific to your card, in the chart below:

BMO CashBack World Elite Mastercard

Phone: 1 -866-991-4769
(For clients who are deaf or hard of hearing, BMO supports calls (24/7) from third party relay
service providers trained to relay communications through message relays (MRS) or video
relays (VRS)).

Hours of Service (Eastern Standard Time) Cantonese Mandarin Queue

Monday – Saturday 8:00 AM to midnight Monday – Saturday: 8:00 AM to midnight
Sunday 10:00 AM to midnight

CashBack Rewards Terms and Conditions 51

 BMO Mastercard
BMO Roadside Assistance
(Basic Coverage)
Terms and Conditions

52
 ® ®*
BMO Mastercard
BMO Roadside Assistance (Basic Coverage) Terms and Conditions
The following terms and conditions describe the BMO Roadside Assistance Program (Basic Coverage) (the
“Program”), which is operated and administered by DAA.
Defined Terms
As used in these terms and conditions, the following words are defined as follows:
“Account” means any BMO credit Card;
“Cardholder” means the primary cardholder and each additional cardholder (as each such term is
defined in the CHA) on the Account provide that such cardholder holds a valid drivers license in Canada
or the United States to operate a passenger vehicle;
“CHA” means the BMO Mastercard Cardholder Agreement between the Cardholder and Bank of Montreal;
“DAA” means Dominion Automobile Association (2004) Limited;
“Good Standing” means compliance with the terms and conditions of the CHA;
“Excluded Service Area” means any area which is not designated for routine travel by passenger
vehicles including but not limited to the following areas: roadways that are not assumed by the
applicable level of government, vacant lots, open fields, private or impassable roads, mud trails and
other off-roading areas, and construction sites.
“Member” means a Cardholder eligible for coverage under the Program and for greater certainty
excludes any Cardholder on an Account that is not in Good Standing or is otherwise closed.
BMO Roadside Assistance
• Safe. Pre-qualified towing professionals
• Fast. Priority service when you need help
• Convenient. Just one number to call, Tel 1-866-731-4999, 24 hours/day, from anywhere in Canada and
Mainland U.S.
• Complete. Covers each cardholder while driving in almost any passenger vehicle, whether the
vehicle is owned, borrowed or rented
• Coverage. Battery Boost, emergency gas delivery (Cardholder pays for gas), flat tire change if a
safe and inflated spare tire is available, lockout services, winch from mud/ditch/snow and tow in
the event of a mechanical breakdown to the nearest qualified repair facility within 10 km from
breakdown.
See the following pages for the corresponding terms and conditions.
1. Coverage
(a) General: Subject to the following terms and conditions, each Member is covered 24 hours per
day, 7 days per week, in Canada and mainland United States (including Alaska but for greater
certainty excluding Hawaii and Puerto Rico), for the services noted in section 3a) below,
provided that the vehicle is not located in an Excluded Service Area.
(b) Restrictions: Subject to section 5(f), a Member will not qualify for any services under the
Program in the following situations: (i) when alcohol and/or drugs are a contributing factor to
the immobilization of the vehicle; (ii) if the vehicle is not covered by public liability or property
damage insurance; (iii) if the vehicle was immobilized while the Member was committing or
attempting to commit a criminal offence; (iv) if the vehicle was immobilized while the Member
was willfully violating any traffic law; (v) the vehicle was immobilized in an Excluded Service
Area; (vi) service will be denied for the balance of any calendar year in which a Member (or
any other Member on the Account) has, on more than two (2) occasions in such calendar
year, requested services under the Program using false or misleading information, and DAA
reasonably concludes that the Member knew or ought to have known that the service request
was not in compliance with the terms and conditions of the Program and that the Member is
abusing or attempting to abuse the Program; and (vii) the Account is not in Good Standing.
2. Vehicle Coverage
(a) Included Vehicles: Subject to the terms and conditions set out herein, the Program covers
any passenger vehicle (up to 6,000 lbs or 2,721 kg) that is driven legally by the Member for
personal use and which can be serviced with one standard duty passenger vehicle tow truck.

BMO Mastercard BMO Roadside Assistance (Basic Coverage) Terms and Conditions 53
 (b) Excluded Vehicles: All other vehicles may be deemed to be excluded vehicles by DAA, in its
sole discretion. Without limiting the scope of the forgoing, the following types of vehicles
are excluded from coverage under the Program: any vehicle that is loaded or altered in such
a manner that the tow truck operator, in its sole discretion, deems that it cannot be serviced
in its current state, all recreational vehicles of any kind, motorcycles, off-road vehicles, all
commercial vehicles of any kind including but not limited to taxis and limousines, unattended
or unlicensed vehicles, any type of vehicle located in an Excluded Service Area and any vehicle
which has received service for the same mechanical issue three (3) times in any calendar year
and the service request pertains to the same mechanical issue in the same calendar year.
Please call BMO Roadside Assistance at 1-866-731-4999 to confirm if your vehicle is covered.
3. Program Services
(a) Included Services: (i) battery boost; (ii) delivery of emergency gasoline which is sufficient
to drive the vehicle to the nearest gas station, up to approximately 10 litres of gasoline (the
Member is required to pay for the gasoline delivered), subject to the following terms and
conditions: for safety reasons, diesel and other fuels will not be delivered, and if transportation
of fuel is prohibited in the location where the vehicle required service, the vehicle will be
towed to the nearest gas station within 10 km from where the vehicle ran out of gasoline;
(iii) changing of a flat tire provided that a safe and inflated spare tire is available; (iv) lockout
service; (v) up to one (1) hour of winch service from a single tow truck if the vehicle is
immobilized in mud, a ditch, or the snow; and (v) tow services in the event of a mechanical
breakdown to the nearest qualified repair facility within 10 km from the breakdown.
(b) Excluded Services: any included service over the time or distance specified in section 3(a)
above, or any service to be performed on a vehicle that is deemed by the tow truck operator
not be road worthy or is otherwise unsafe, provided that service may be provided to the
Member outside the Program at DAA’s discretion and at the Member’s sole expense.
(c) Additional Terms and Conditions: (i) apart from the included services specified in section
5(a), repairs will not be performed at the site where the vehicle was immobilized; and (ii)
only one included service is covered within a 24 hour period.
4. Number of Services per Year
Up to four (4) service calls per year per Member.
5. Cancellation of Your Optional Service
To cancel BMO Roadside Assistance, please call 1-800-263-2263 For clients who are deaf or hard
of hearing, BMO supports calls (24/7) from third party relay service providers trained to relay
communications through message relays (MRS) or video relays (VRS). You will receive a full refund
if you contact us within ten (10) days of the date that BMO Roadside Assistance was added or thirty
(30) days from the date the enhancement renewal annual fee was charged on your statement.
6. Other Terms
(a) DAA is solely responsible for the administration and operation of the Program. A Member shall
not have recourse to Bank of Montreal for any matter arising under the Program.
(b) DAA does not assume any liability or responsibility for any loss or damage to the Member’s
vehicle or any other personal property resulting from the rendering of a service under the
Program. A Member is responsible for promptly reporting any loss or damage to the Member’s
insurance company.
(c) By accepting coverage under the Program, each Member authorizes Bank of Montreal to
provide such information reasonably required by DAA to confirm coverage under the Program.
(d) The Member is solely responsible for the cost of all parts and labour required to repair the
Member’s vehicle.
(e) BMO reserves the right at any time and without advance notice to Members to amend these
terms and conditions or cancel the Program.
(f) BMO reserves the right to cancel coverage to all Members associated with an Account for
any reason stipulated in section 1(b). “In the sole discretion of DAA or BMO, BMO and/or
DAA reserve the right to cancel a membership if the service is being misused by a member,
including, the servicing of vehicles which are not driven by the member for personal use. Upon
BMO and /or DAA’s discretion pro-rated membership will be credited to the members BMO
Mastercard account.”

54 Information Guide
7. Applicable Taxes
T his service will be subject to QST/GST/HST where applicable.
BMO Bank of Montreal GST/HST Number: R100390095, QST Number: 1000042494.

Please retain this Agreement.

™/® Trademarks/registered trademarks of Bank of Montreal.
†
Bank of Montreal is a member of BMO Financial Group which includes Bank of Montreal Mortgage Corporation,
BMO InvestorLine Inc., BMO Investments Inc., BMO Trust Company and BMO Nesbitt Burns Inc.
™*/®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Used under license.

BMO Mastercard BMO Roadside Assistance (Basic Coverage) Terms and Conditions 55
Notes

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56 Information Guide
Notes
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BMO Mastercard Cardholder Agreement 57

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50400677 (07/23) WE CBINFO 23 EN