Trip Cancellation
When does coverage for Trip Cancellation begin and end?
Trip Cancellation coverage begins when you book you trip and typically ends on the departure date/when you leave home
When does Trip Interruption coverage start and end?
Trip Interruption coverage typically begins on your departure date/when you leave home and ends on your return date/the day you return home.
What types of baggage claims do we handle?
Baggage Loss, Baggage Damage, Baggage Delay, Stolen Baggage.
What is being claimed when we open Emergency Medical claims?
Medical expenses (cost to see doctor, hospital expenses, prescription drug expenses, etc.)
What are some examples of insureds?
Policy holders, spouses, dependent children, travel companions.
What types of expenses do people claim for when cancelling trips?
Non-refundable, non-transferrable, pre-paid & unused travel expenses. (Example: flights, hotels, excursions, etc.)
What types of expenses do people claim for when their trips are interrupted?
One way economy-airfare (flights), pre-paid unused travel expenses and out of pocket expenses (hotels, meals, taxis, etc.)
What types of expenses do people claim for on baggage claims?
Reasonable and necessary items (clothes, toothbrush, shampoo, soap, bathing suits, etc.) ALWAYS CHECK YOUR POLICY WORDING!
What is a pre-existing condition?
A condition that existed prior to travel
Why do people buy travel insurance?
Protection, safety, minimize financial hardship, reimburses you for unexpected emergencies, etc.
True or false - people can purchase Trip Cancellation insurance on it's own.
False. Trip Cancellation coverage is sold in either an All Inclusive Package or Non-Medical package.
True or false- every single policy will contain Trip Interruption benefits
False. Not every policy has Trip Interruption benefits. (For example: an Emergency Medical policy would have zero non-medical benefits)
If someone got to their destination and when they got off the plane - the wheels of their luggage popped off. Is this baggage loss/stolen/damage/delay?
This would be considered baggage damage
True or false - Medical policies cover unexpected, unforeseen medical emergencies.
True. An emergency may vary from small cases like nose bleeds and runny noses to more severe cases like heart attacks and strokes.
What is an exclusion (in insurance)?
A specific event/thing that's not covered or not included in the policy
What are some potential reasons that someone may cancel their trip?
Common answers: Illness, injury, death, jury duty, called to duty as a reservist/firefighter/police officer, etc.
What are some potential reasons that a trip might be interrupted?
Common answers: Illness, death, injury, bad weather, mechanical failure, police directed road closure, etc.
True or false - people should submit airline reports when submitting baggage claims.
True - airline reports are requested for baggage claims.
What's the benefit maximum for medical coverage on the CAA Atlantic policy for the Single Trip plan?
$5 million
What type of claim should you open if someone is unable to go on a vacation because they broke their leg?
Trip Cancellation.
Did the Canada Life policy that we reviewed on Tuesday contain any Trip Cancellation benefits?
No, the Canada Life policy that we reviewed on Tuesday had only medical coverage.
Trip Interruption is an umbrella term that may include other certificates called ________ and _________.
Trip Delay and Flight Delay
Page 42-43 of the CAA Atlantic policy - what is an exclusion for baggage?
Common answers: unaccompanied baggage, computer software, glasses, prosthetic teeth or limbs, hearing devices, animals, money, tickets, etc.
True or false - all policies contain Emergency Medical coverage.
False. Not all policies contain Emergency Medical coverage. That's why it's important to check your policy wording.
What does indemnify mean?
Compensate/reimburse for harm or loss