The Estate of the Deceased Insured was awarded the cost of medical expenses paid following treatment at a hospital pursuant to a travel insurance policy issued by the Defendant. The condition precedent that the Insured was in good health applied despite the fact she had an alcohol abuse problem and had overdosed on alcohol and Dilaudid the day before signing the Declaration. The exclusion clause did not apply because there was no evidence her alcohol abuse problem affected her at the time of, or contributed to, the loss.

Oimet Estate v. Co-operators Life Insurance Co., [2006] B.C.J. No. 1221, British Columbia Supreme Court

The Court held that the Insurer did not have a duty to defend. All of the allegations in the action related to the Insureds’ son’s use and operation of an all-terrain vehicle, and fell within the exclusionary clause. The pleading of negligent supervision made against the Insureds was not an independent and discrete cause of action that could potentially trigger the Insurer’s duty to defend.

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Weeks v. Aviva Canada Inc., [2006] N.S.J. No. 173, Nova Scotia Supreme Court