Policy Fundamentals
What's the difference between benefits and exclusions?
Benefits tell you what you are covered for, exclusions tell you what you are not covered for.
What does Emergency Medical travel insurance cover you for?
Unforeseen, unexpected medical emergencies while at travel
What does Trip Cancellation cover you for?
Pre-paid, unused, non-refundable and non-transferrable expenses (hotels, tours, flights, resorts, etc.)
What does Trip Interruption typically cover you for?
1. Pre-paid unused non-refundable and non-transferrable
2. Transportation Expenses
3. Incidental expenses (meals, accommodations, taxis, etc.)
At the end of your shift - what should your status in Genesys be?
Away - Gone Home
Which of the following is an example of an eligibility requirement:
a. needing to cancel your trip
b. experiencing an emergency medical situation
c. having a valid Government Health Insurance
C. Having a valid GHIP.
What is the term that we use for bodies/remains of a deceased person that need to be transported back to their home province?
Repatriation
What is the typical coverage period for Trip Cancellation?
Trip Cancellation coverage begins when you purchase your trip & ends when you depart for your trip. (Important: you cannot cancel if you've already began travelling)
What is the typical coverage period for Trip Interruption certificates?
Coverage begins when you depart for your trip and ends when you return home/to your province.
When should you be locking your computer?
Anytime that you step away from your desk
What do we call the events that cause people to create non-medical claims?
Insured risks
Name one common exclusion on Emergency Medical policies
Examples: Claims resulting from pregnancy, crime, alcohol/drugs, pre-existing conditions.
If you cancelled your $5,000 vacation & received a $3,000 refund from the airline - how much are you able to claim with your travel insurance?
$2,000. We will only reimburse the portions that are non-refundable and non-transferrable. A refund from the airline means that you cannot also claim those expenses with GEM.
Trip Interruption is an umbrella term that sometimes includes other certificates of insurance like....
Trip delay, flight delay, missed connection, delayed return, etc.
Who is your Team Leader right now?
Which of these is an example of a limitation:
a. failure to contact Global Excel prior to seeking treatment may result in the limitation of your coverage
b. benefits for paramedical services
c. claims resulting from alcohol or drugs
a. failure to contact Global Excel prior to seeking treatment may result in the limitation of your coverage
Explain the following benefit in your own words: hospital & medical accommodation
This benefit would cover you for the cost of private rooms/wards charged by the hospital/medical facility to have you admitted/staying overnight
What is a single occupancy or next occupancy fee?
This is a fee that is charged to the insured when their travel companion cancels but they chose to continue travelling.
What types of events qualify for coverage under trip interruption insurance?
Unforeseen & unexpected emergencies!! Medical reasons, family emergencies, travel delays, bad weather, legal obligations, natural disasters, etc.
What resource can you use to check your pay stubs?
ADP
If you see words capitalized, bolded or in italics, this is a good indication that....
There is a definition for that word
What is a stability period?
A stability period is a specified duration of days in a policy that one must be stable for leading up to their departure date
If someone calls and needs to cancel their trip due to medical reasons, is this considered a medical or non-medical claim?
It's considered a non-medical claim due to a medical insured risk.
True or false - you can interrupt your trip for any reason that you want and be fully covered.
False. Your reason for interrupting must be listed in the insured risks to have full coverage.
If you need to call in sick - what's the phone number that you call?
519-945-8256 ext 22497