Chapter 8 travel insurance

Question 1

Why do people need travel insurance?

Answer 1

Provincial plans are not all the same, & if ill or injured, not all costs covered. Can have limits on time away to 90 days

Question 2

4 costs that may not be covered under all travel insurance plans

Answer 2

1. Ambulance charges
2. Family visitation
3. Repatriation
4. Return of vehicle

Question 3

True or False? provincial heath plans will respond regardless of the amount of time a resident is away

Answer 3

False - can be limited to 90 days

Question 4

Travel polices are available for clients who travel for these two types of reasons……..

Answer 4

Business or pleasure

Question 5

Travel policies can be purchased for……..

Answer 5

Individual or include family members

Question 6

Policies can be purchased for coverage on……

Answer 6

single trip (from 14 days - 180 days) or multiple trip ( from 30 days - 45 days)

Question 7

5 major sections usually found in travel policies

Answer 7

• insuring agreement
• term of insurance
• definitions
• policy coverage & limitations
• additional exclusions & limitations

Question 8

2 requirements before insured can qualify for coverage

Answer 8

1. permanent resident of Canada
2. covered under the provincial/territorial health care plan

Question 9

When will coverage terminate for other than annual policies

Answer 9

• the return date shown on the application, but no longer than the number of days shown in the application after the departure date shown

Question 10

when will coverage terminate for annual policies?

Answer 10

date the insured returns to the province or territory of residence or which 30 days after the departure date

Question 11

Define insured

Answer 11

means an insured applicant, their spouse & any dependent children

Question 12

define Insured applicant

Answer 12

Canadian residence under 65 years of age, insured under the government health plan, who has been named on the invoice/application issued by broker

Question 13

Define spouse

Answer 13

legal spouse of the insured applicant residing in Canada, no legal separation in effect, or individual of opposite sex who has been residing for period of at least 1 year

Question 14

who is a dependent child/children

Answer 14

1. 20 yrs or younger, unmarried, dependent on applicant & residing with the applicant
2. under 26 yrs old, unmarried & dependent on applicant & at full time Canadian college or university (accredited)
   3.Receiving full support & maintenance from applicant, by reason of mental or physical infirmity

Question 15

Define Extended Family

Answer 15

means the dependent child, spouse, parent, guardian, brother, sister, & grandparent of insured or spouse

Question 16

Define Accident

Answer 16

An unforeseen & unintended occurrence due to external, violent, sudden, fortuitous causes beyond the insureds control

Question 17

Define sickness

Answer 17

means bodily sickness or disease, contracted & commencing after the policy is issued & while the policy is in effect

Question 18

Define Injury

Answer 18

bodily injury caused by an accident occurring while the insured is insured hereunder

Question 19

Define Hospital

Answer 19

an institution operated pursuant to law for the care & treatment of sick & injured persons with organized facilities for diagnosis, major surgery & 24 hour nursing care

Question 20

What’s not considered a hospital?

Answer 20

• nursing home
• home for aged
• heath spa
• facility for the treatment of alcoholism, drug addiction or mental illness

Question 21

Define Travel companion

Answer 21

the person(s) who is sharing the same travel arrangements with the issued

Question 22

identify emergency medical (outpatient) expenses covered by the policy?

Answer 22

• out patient emergency room charges
• treatment by legally qualified physician or surgeon
• employment of a registered nurse when recommended by the attending physician to mx $5000
• rental of wheelchair, cane, casts, brace, splint, walker, or crutches
• x-rays & laboratory examinations that are required for diagnostic purpose

Question 23

Max limit for emergency dental expenses

Answer 23

$2,500

Question 24

3 types of drugs that are NOT covered under emergency drug reimbursement

Answer 24

• patent drugs
• oral contraceptives (plan B)
• vitamins, repeat prescriptions, maintenance & chronic care drugs

Question 25

identify when insurer would reimburse insured for trip interruption expenses

Answer 25

• when an insured has left the province of residence & a trip is interrupted due to sickness or injury

Question 26

3 reasons which coverage will be provided under Trip Cancellation for Medical reasons

Answer 26

i) death of an insured or extended family member occurring within 21 days of departure
ii) injury or sickness of insured that prevent the insured from starting trip, with confirmation from physician in writing that trip cancellation is advised, & not from pre-existing condition
ii) unexpected subpoena to act as a witness in a court proceeding during the trip, or the sudden call to jury duty

Question 27

Explain convalescence or extended stay for medical reasons

Answer 27

pays up to $1000 when insured applicant is discharged from hospital ,but not yet authorized to travel

Question 28

Explain expenses for return of auto

Answer 28

covers up to $1000 for the return of the automobile to home due to sickness or injury of applicant or traveling companion

Question 29

Explain repatriation benefit ,burial or cremation

Answer 29

in event of death or insured as a result of injury or sickness, will cover homeward transportation of deceased or cremated remains up to $3000 or $1500 if cremation or burial at place of death

Question 30

7 exclusions common in a travel policy

Answer 30

1. war
2. pregnancy, miscarriage, child birth within 8 weeks of due date
3. suicide or any attempt thereat
4. commission, or attempt to commit a criminal act
5. expense incurred as result of alcohol related illness disease or abuse of drugs over .8 reading
6. mental or emotional disorders unless hospitalized
7. participation in pro sports

Question 31

travel policies are for excess over other plans the client may own. What are 4 other plans an insured may own?

Answer 31

1. other individual or group plans
2. provincial or territorial health plans
3. workers compensation coverage
4. credit card coverage, & private automobile insurance

Question 32

How long does an insured/agent have to notify in case of emergency surgery?

Answer 32

48 hours

max limit of coverage if not notified to the insurer within the 48 hour period is $10,000