Baggage
What types of baggage claims do we handle?
Lost baggage, damaged baggage, stolen baggage, delayed baggage.
True or False - every single policy will have Trip Cancellation benefits
False, not all policies have Trip Cancellation coverage.
Trip Interruption is an umbrella term that may contain 2 other types of insurance that we learned about: ___________ and ___________.
Trip Delay and Flight Delay
True or false - all policies have Emergency Medical benefits on them
False
Why do people buy travel insurance?
Protection, safety, minimize financial hardship, reimbursement for unexpected emergencies, etc.
True or false - for baggage claims, we request that insureds send copies of airline reports to confirm the incident.
True - airline reports are a required document for baggage claims.
What do people usually claim for on Trip Cancellation claims?
Non-refundable, non-transferrable pre-paid unused travel expenses (ex. flights, hotels, excursions, etc.)
When does Trip Interruption coverage start an end?
Trip Interruption coverage typically begins on your departure date/when you leave home and ends on your return date/arrive home.
True or false - Emergency Medical policies cover you for 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 does indemnify mean?
Compensate/reimburse for harm or loss.
What type of claim would we open for someone who got off their plane and realized that the wheels of their suitcase had fallen off due to mishandling?
Baggage damage
When does Trip Cancellation coverage typically begin and end?
Trip Cancellation coverage begins when you purchase your trip and ends when you leave home/depart for your trip.
What type of expenses do people claim for when their trips are interrupted?
One-way economy airfare (flights), pre-paid unused travel expenses, out of pocket expenses (hotels, meals, taxis, etc.)
What types of expenses would you claim for on an Emergency Medical claim?
Medical expenses (doctor's visits, lab work, medical supplies, prescription fees, etc.)
Who is typically insured on a policy?
Policy holders, spouses, dependent children, travel companions (if applicable)
What types of expenses do people usually claim for baggage?
Common answers: clothing, shampoo, makeup, bathing suits, sunscreen, soap, toothbrush (reasonable and necessary expenses) ALWAYS READ YOUR POLICY WORDING!
If someone needs to cancel their trip because of an injury. Would we open a medical claim or Trip Cancellation claim for that?
Trip Cancellation claim. Even though the cancellation is due to medical reasons, medical claims are only opened when we are looking to pay for medical expenses.
What are some potential reasons that a trip may be interrupted?
Common answers: Illness, death, injury, bad weather, mechanical failure, police directed road closure, etc.
What are common exclusions on Emergency Medical policies?
Common answers: pre-existing conditions, incidents related to alcohol/drug use, pregnancy, cosmetic procedures, contraceptives, etc.
Common answers: policy must be active, must be a Canadian resident/citizen (unless VTC/student), must have a valid GHIP, age requirements, health requirements, etc.
What are common reasons that people cancel trips?
Common answers: illness, injury, death, jury duty, called to service, etc.
If you must return home early due to an unforeseen emergency and you now have to cancel the rest of your trip - what type of claim should be opened?
Trip Interruption because the insured has already participated in a portion of the trip & TC coverage ends when you leave home/depart for a trip.
What type of claim(s) would you open if someone broke their leg on a trip, went to the doctor for treatment and had to return home earlier than expected?
Emergency Medical (to cover their medical expenses) AND Trip Interruption (to cover their out-of-pocket expenses)