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Please use the following emergency contact information

1-888-756-8428 (Toll-Free North America)

1-905 731-8291 (Collect)

Contact the 24 Hour Toll-Free or collect number

Within 24 hours of admission to Hospital, or if incapacitated, as soon as reasonably possible;

For any benefit where prior approval is required;

For any Excursions, prior to incurring ANY medical expenses.