CTC CTC Travel Insurance & Risk Management 2

Question 1

Which U.S. government program should travel counselors recommend clients enroll in before international travel for emergency notification purposes?

Accepted Answer

Smart Traveler Enrollment Program (STEP)

Answer

The Smart Traveler Enrollment Program (STEP) allows U.S. citizens traveling abroad to register with the U.S. Embassy so they can receive safety alerts and be located in an emergency.

Question 2

A U.S. travel counselor advising a client on international travel should refer them to which government resource for destination-specific safety and health information?

Accepted Answer

The U.S. State Department Travel Advisories

Answer

The U.S. State Department issues Travel Advisories with four levels (1–4) for every country, covering safety, health risks, entry requirements, and emergency contacts.

Question 3

What is 'errors and omissions' (E&O) insurance designed to protect a travel agency from?

Accepted Answer

Claims by clients alleging financial loss due to the agency's professional mistakes or negligence

Answer

E&O (professional liability) insurance protects a travel agency if a client sues because of a mistake, error, or omission in the booking process that caused financial harm.

Question 4

When a cruise line or airline ceases operations and a client loses their prepaid booking, which insurance benefit is relevant?

Accepted Answer

Default/supplier insolvency coverage

Answer

Default or financial insolvency coverage reimburses travelers for prepaid, non-refundable costs when a supplier ceases operations before or during the trip.

Question 5

A client whose checked luggage is delayed for 12 hours can claim under which travel insurance benefit?

Accepted Answer

Baggage delay

Answer

Baggage delay coverage reimburses travelers for essential items (clothing, toiletries) they must purchase while waiting for delayed luggage to arrive.

Certified Travel Counselor (CTC) Practice Test

Certified Travel Counselor (CTC) Practice Test

CTC CTC Travel Insurance & Risk Management 2