Delayed Flight Departure - Coverage begins four hours after the scheduled departure time of your confirmed scheduled flight which was delayed when no alternative transportation is made available to you by the air carrier within four hours of the scheduled departure time of the original flight. Denied Boarding - Coverage begins four hours after you have been denied boarding of the aircraft due to overbooking on your confirmed scheduled flight, when no alternative transportation is made available to you by the air carrier within four hours of the scheduled departure time of the original flight. Card the Royal Bank Visa Avion Gold card that has been issued by Royal Bank of Canada. Emergency purchases means the minimum essential clothing and toiletries, the purchase of which is rendered absolutely necessary and indispensable by the delay of your checked luggage. Spouse means the person who is legally married to the cardholder , or has been living in a conjugal relationship with the cardholder for a continuous period of at least one year, and who resides in the same household as the cardholder .
Sundry items means a magazine, a paperback book, and other such small items.
All benefits payable to you under any of our policies are in excess of the benefits for the same or similar benefits payable to you by any other insurer. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense which you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer. If you disagree with our claim decision, the matter will be submitted to arbitration under the arbitration law in the province or territory in which this policy was issued. Legal action to recover a claim must be commenced within 12 months of the occurrence which gives rise to the claim.