The Ultimate Travel Insurance Quiz

Do all kinds of vacations warrant getting travel insurance?

Neither of the below is true.

Yes.

Not necessarily.

Correct Answer

Wrong Answer

That may depend on the type of vacation. A low-risk vacation visiting your cousins in Omaha might not be worth insuring, whereas a hang-gliding expedition in the Pyrenees Mountains would obviously warrant getting travel insurance.

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Which of these offers travel insurance?

your credit card company

your bank manager

your flight ticket issuer

Correct Answer

Wrong Answer

Your credit card company offers travel insurance. Other ways of getting travel insurance are through your travel agent, your insurance broker and travel insurance specialists.

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The most basic flight insurance can be as little as:

1

10

50

Correct Answer

Wrong Answer

You can get flight insurance starting from $10. This might cover your death in the event of a plane crash.

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Under some comprehensive policies, how much does travel insurance cost?

between 1 percent and 5 percent of the total cost of your trip

between 3 percent and 8 percent of the total cost of your trip

between 7 percent and 10 percent of the total cost of your trip

Correct Answer

Wrong Answer

The general range is about 3-8 percent of the total cost of your trip.

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What does a medical/health policy cover?

any medical and dental expenses due to injury, but not illness

any medical, but not dental, expenses due to injury or illness

any medical and dental expenses due to injury or illness

Correct Answer

Wrong Answer

Such a policy normally covers all medical and dental expenses due to injury and/or illness.

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If you have cancellation coverage, what circumstances can you cancel your trip for?

rainy weather at your destination

season's tickets to baseball that you forgot about when you booked

sickness or death of a family member

Correct Answer

Wrong Answer

You can cancel for sickness or death of a family member if you have cancellation coverage and this will mean that your insurance pays for the lost monies involved in canceling.

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The airport is snowed in and there will be no flights for two days. What travel insurance covers your needing to be put up at a hotel?

cancellation coverage

delay coverage

trip interruption coverage

Correct Answer

Wrong Answer

Delay coverage deals with this issue. This includes any expenses incurred if the flight is delayed through no fault of your own.

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In what ways does travel assistance service your needs?

They help with locating recommended dining venues.

They help with poorly managed tours and sightseeing trips.

They help with lost or stolen passports, money transfers and legal needs.

Correct Answer

Wrong Answer

Travel assistance usually help with lost or stolen passports, wire transfers and legal matters, where needed.

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If you are planning to travel, what is the first step in securing travel insurance?

surfing the Internet for different insurance policy formulae

calling your agent and determining whether you are already covered with existing policies

calling your credit card company on the day you purchase the ticket and arranging it by phone

Correct Answer

Wrong Answer

The first step is to call your agent and see if you have any pre-existing coverage.

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If you have MasterCard's World Elite card, what do you need to be eligible for certain services?

a good credit rating and income

personal acquaintance with the staff

a keen knowledge of the mechanisms of insurance policies

Correct Answer

Wrong Answer

Certain services require a good credit rating and income in order for you to be eligible.

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Under your insurance policy, it's important to know whether expenses are covered up front or:

whether they're written off

not covered at all

whether you pay and get reimbursed later

Correct Answer

Wrong Answer

Check out whether they're paid up front or whether you have to lay out the money first, then wait to be reimbursed.

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How much in advance of your trip is the recommended time period for insurance coverage?

at least two weeks before the trip

one month before your trip

two days before your trip

Correct Answer

Wrong Answer

It's best to have the two weeks before your trip already covered in case of cancellation, etc.

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How much information should you share with your insurance agent?

You should be cautious about what you say because you can't trust just anybody.

You should let them know where you're going and what activities you plan to do.

You shouldn't divulge any information about your expected whereabouts lest you deviate from the plan.

Correct Answer

Wrong Answer

It's important to say where you're planning to go and what activities of note you plan to do there.

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If something is stolen, can you just call the insurance company or do you need to take other action?

You should also write a letter to the insurance company.

Calling the company should be sufficient.

You also need to report it to the local authorities.

Correct Answer

Wrong Answer

It's not enough to call your company. You must also report the theft to the local authorities so as to be able to provide written documentation of the incident.

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Adventure tourism has become increasingly popular in recent years. What has this done for the travel insurance business?

It has led to more and more companies offering insurance.

It has raised the cost of insurance.

It has led to more circumstances being covered.

Correct Answer

Wrong Answer

The advent and popularity of adventure tourism has led to more circumstances being covered under travel insurance policies.

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In 2007, AIG Travel Guard began to offer a "no questions asked" policy. What did this refer to?

a last-minute cancellation for 75percent of the trip cost, regardless of the reason for canceling

coverage for a great many claims, regardless of their nature or credibility

a policy whereby the company didn't need to know any information at all about the traveler's plans

Correct Answer

Wrong Answer

The "no questions asked policy" covered 75 percent of the trip cost for last-minute cancellations, regardless of the reason for canceling.

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What unusual policy does Travelex offer?

buy 30 days of insurance, get three days for free

coverage for your traveling pet

reimbursement for event tickets, such as a concert

Correct Answer

Wrong Answer

Travelex offers reimbursement for event tickets, such as canceled concerts, etc.

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You might have to cancel a trip due to business obligations. What is the most sensible option?

cancel the trip but lose your money

get cheap workaholics' insurance in advance for these eventualities

forego on the business obligation because you've already purchased the ticket

Correct Answer

Wrong Answer

You can get cheap workaholics' insurance in advance, which is tailor-made for people who have unpredictable business arrangements.

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There is such a thing as insurance for hurricane warnings. Up to how long before your departure can you cancel a trip for this reason?

up to 12 hours

up to 24 hours

up to 36 hours

Correct Answer

Wrong Answer

You can cancel your trip up to 24 hours before departure due to hurricane warnings.

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Citizens of the European Economic Area (EEA) can get coverage under the European Health Insurance Card. Which non-EEA country participates in this program?

Britain

Luxembourg

Switzerland

Correct Answer

Wrong Answer

Switzerland is the one and only non-EEA country to participate in this program.

FINISH QUIZ

The Ultimate Travel Insurance Quiz

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