Questions - Chapter 8 - Travel Insurance

Question 1

Why do people need travel plans?

Answer 1

Many people believe their provincial or territorial plans will cover them for medical and other expenses while away while, this is only partially true.

Question 2

While provincial and territorial medical plans may have reciprocal agreements, identify four costs that may not be covered under all plans.

Answer 2

a) Ambulance charges
b) Family Visitation
c) Repatriation
d) Return of Vehicle

Question 3

True of False, Provincial or Territorial health plans will respond regardless of the period of time a resident is away from home.

Answer 3

False, only for a 90 day period.

Question 4

When an accident or illness occurs outside of Canada, provincial or territorial plans only pay the plans fee regardless of…

Answer 4

1) The fees charged where the injury or illness occurred

2) Any other costs incurred

Question 5

Travel policies are available for clients who travel either for _____ or _____.

These policies may be purchased for _______ or to _______.

Policies can be purchased to provide coverage on _____ or ______.

Answer 5

a) Pleasure or business
b) Individuals or to include coverage for family members
c) Single trips ranging from two weeks up to 180 days or on multiple trips lasting 30-45 days occurring within one year.

Question 6

Although no standard policy exists, identify five major sections usually found in a travel policy.

Answer 6

1) Insuring Agreement
2) Term of Insurance
3) Definitions
4) Policy Coverage & Limitations
5) Additional Exclusions & Limitations

Question 7

Identify two requirements before an insured can qualify for coverage ________ and _______.

Answer 7

a) A permanent resident of Canada

b) Covered under the provincial or territorial health care plan

Question 8

Identify the earliest of when coverage will terminate for other than annual policies.

Answer 8

The return date shown on the application, but no later than the number of days shown in the application after the departure date shown in the application.

Question 9

Identify the earliest of when coverage will terminate for annual policies.

Answer 9

The return date show on the application, but no later than the number of days shown on the application after the departure date shown in the application.

Question 10

Define Insured.

Answer 10

Means an Insured Applicant, his spouse or dependent children.

Question 11

Define Insured Applicant.

Answer 11

Means a Canadian resident under the age of 65, insured under the government health insurance plan of his Province or Territory of Residence, who has been named on a invoice/application issued by the broker.

Question 12

Define Spouse.

Answer 12

The legal spouse of the Insured Applicant residing in Canada, provided there is no legal separation in effect, or an individual who’s been residing with the Insured applicant for over a year.

Question 13

Define Dependent Child or Children.

Answer 13

Any natural child, stepchild, legally adopted child or legal ward of the Insured Applicant residing in Canada who is:

a) 20 years old and under, unmarried, and receiving full support and maintenance from the Insured Applicant and residing with the Insured Applicant
b) Less than 26 years old, unmarried, and receiving full support and maintenance from the Insured Applicant for reason of full-time attendance at a Canadian college or university
c) Receiving full support and maintenance from the Insured Applicant by reason of mental or physical disability.

Question 14

Define Extended Family.

Answer 14

The dependant child, spouse, parent, guardian, brother, sister, and grandparent of the Insured Applicant or Spouse.

Question 15

Define Accident.

Answer 15

An unforeseen and unintended occurrence due to external, violent, sudden, fortuitous causes beyond the Insured’s control.

Question 16

Define Injury.

Answer 16

Bodily injury caused by an accident occurring while the Insured is insured hereunder.

Question 17

Define Sickness.

Answer 17

Bodily sickness or disease, contracted and commencing after the policy is issued and while the policy is in effect.

Question 18

Define Hospital.

Answer 18

An institution operated pursuant to law for the care and treatment of sick and injured persons with organized facilities for diagnosis, major surgery and 24 hour nursing service.

Question 19

What’s not considered a Hospital?

Answer 19

Does not include a convalescent or nursing home, home for the aged, health spa, or a facility for the treatment of alcoholism, drug addiction or mental illness.

Question 20

Define Supervised Condition.

Answer 20

A diagnosed medical condition, illness, or injury for which you require any diagnostic testing, investigation, or referral not yet complete, or for which the results are still not known that requires constant consistent treatment and is controlled with medication without change for:

a) At least three months proceeding the date of departure if you are under the age of 60
b) At least six months preceding the date of departure if you are age 60 or over
c) If you have taken medication for a cardiac condition or related condition at any time within six months.

Question 21

Define Travelling Companion.

Answer 21

The person who is sharing the same travel arrangements with the Insured.

Question 22

Define Professional Sport.

Answer 22

Any sport for which a participant is receiving any remuneration including but not limited to sponsorship, endorsements, or other monetary compensation.

Question 23

Define Whole or Sound Teeth.

Answer 23

Whole in appearance whereby some part is natural. Capped or crowned teeth are considered to be whole or sound. Teeth that have received a root canal are considered sound.

Question 24

Identify any three Emergency Hospital (impatient) expenses covered by the policy.

Answer 24

1) Semiprivate accommodation
2) Surgery cost
3) Nursing care

Question 25

Identify any three Emergency Medical (outpatient) expenses covered by the policy.

Answer 25

1) X-rays and laboratory examinations
2) Ambulance service
3) Oxygen

Question 26

Identify the maximum limit for Emergency Dental Expense.

Answer 26

$2,500 per Accident

Question 27

Identify three types of drugs or medicines that are not covered under Emergency Prescription Drug Reimbursement.

Answer 27

1) Non-prescription
2) ‘Over the counter’ medication
3) Normal on-going prescriptions required by the client

Question 28

Briefly explain the purpose of Emergency Air Ambulance Evacuation.

Answer 28

To transport the client to a medical facility that can adequately treat the client.

Question 29

Identify three examples of the expenses covered for Emergency Air Transportation or Unexcepted Return.

Answer 29

1) The cost of up to $10,000 per Insured to return home by economy seating when medical attention is required.
2) The cost of return economy airfare and hotel accommodation to a max of $1,500 per Insured who has been hospitalized for more than 7 days outside of their province and is expected to have a prolonged Hospital stay.
3) The cost of a max of $2,000 per Insured Applicant to return any Insured under the age of 19 home when an accompanying parent is hospitalized and unable to attend to the child.

Question 30

Identify when the insurer would reimburse the Insured for trip interruption expenses.

Answer 30

When the client’s trip is interrupted due to an insured accident or injury the insurer will pay any non-refundable costs paid by the client up to a max of $1,500.

Question 31

Identify three reasons for which coverage will be provided under Trip Cancellation for Medical reasons.

Answer 31

The insurer will reimburse the client for any nonrefundable travel costs due to the injury, illness, or death of certain family members, or if the client is called to serve on a jury .

Question 32

Briefly explain the purpose of:

a) Hotel Convalescence or Extended Stay for medical reasons
b) Expenses for Return of Auto

Answer 32

a) To pay for any additional costs incurred by the client after discharge from hospital if he has to stay in a hotel after the normal return day of the trip.
b) If the client or their travelling companion were unable to drive their vehicle home following an insured event the insurer will pay up to the stated limit to have the vehicle returned home.

Question 33

Explain:

a) Repatriation Benefit, Burial or Cremation
b) Identification of Deceased
c) Involuntary Extension

Answer 33

a) The purpose is to pay towards the return of the client’s remains to home for burial, or if preferred by the family, to pay towards, burial at the place of death.
b) The insurer will pay the costs for someone appointed by the family to travel and identify the deceased and make arrangements for the return of the client’s remains.
c) An automatic extension of the policy if the client’s return is delayed because the scheduled carrier has had to delay the departure time.

Question 34

Identify six exclusions usually found in a travel policy.

Answer 34

1) Pregancy, miscarriage, child-birth or any complications within 8 weeks of the expected end date of pregnancy.
2) Declared or undeclared war or act.
3) Suicide or attempt while sane or insane.
4) The commission or the attempt to commit a criminal act by the Insured.
5) Participation in Professional Sports.
6) Participation in a hazardous activity.

Question 35

Travel policies are considered ‘excess’ over other plans of insurance the client may own. Identify four such other plans an insured may own.

Answer 35

1) Provincial health plan
2) Worker’s compensation
3) Credit card coverage
4) Private Auto Insurance

Question 36

Identify how long does an insured or agent have to notify the insurer in case of confinement or emergency surgery.

Answer 36

48 hours from the date of hospitalization or emergency surgery

Question 37

What is the max limit of coverage of the insurer is not notified within the time period above?

Answer 37

A max of $10,000 of all incurred expenses.