Travel Insurance

Question 1

Primary coverage

Answer 1

means that it pays first — the insured party is directly reimbursed by the insurance company for covered expenses.

Question 2

Accidental death and dismemberment insurance

Answer 2

Coverage provides cash payment for accidental loss of life or limb while traveling.

Question 3

Baggage delay

Answer 3

Coverage that reimburses for the purchase of essential items, such as toiletries and items needed until baggage is recovered if baggage is delayed more than a certain number of hours.

Question 4

Baggage loss

Answer 4

Coverage that reimburses for expenses incurred due to theft, damage, or the mysterious disappearance of personal property.

Question 5

Pre-existing condition

Answer 5

An injury, illness of the clients (or that of a family member or traveling companion) that existed during a defined time frame before the date the client bought the insurance and paid a deposit for the trip

Question 6

Trip cancellation/trip interruption

Answer 6

Coverage that protects the insured’s financial investment if his or her trip is canceled or interrupted for covered, unforeseen reasons such as a medical condition, bad weather, unannounced labor disputes, termination of employment (only some companies), or financial default.

Question 7

Trip delay

Answer 7

Coverage that reimburses up to policy limits each day for reasonable additional accommodations and travel expenses, such as meals, taxis, and so on, when client is delayed more than a certain number of hours.
 Carrier delay (caused by mechanical problems or inclement weather)

• Lost passport, money, or travel documents (substantiated by a police report)
• Injury or sickness of insured or traveling companion
• Quarantine, hijacking, strike, natural disasters, terrorism or riot

Question 8

Trip cancellation/trip interruption insurance covers all of the following, except

Answer 8

carrier-caused delays.

Question 9

Travel protection

Answer 9

consists of insurance coverage and assistance services that safeguard the consumer before, during, and after the trip

Question 10

Emergency Medical Evacuation and Repatriation

Answer 10

Emergency medical evacuation covers transportation to a hospital or medical facility to treat an unforeseen sickness or injury. This is typically to the closest hospital or medical facility capable of providing treatment. Medical repatriation covers transportation to your primary residence or to a hospital or medical facility closest to your primary place of residence.