CTC CTC Travel Insurance & Risk Management

Question 1

Which travel insurance benefit covers a traveler who must return home early due to a family emergency?

Accepted Answer

Trip interruption

Answer

Trip interruption coverage reimburses unused prepaid costs and extra transportation expenses when a traveler must cut a trip short due to a covered reason.

Question 2

A travel counselor's primary duty of care regarding travel insurance is to:

Accepted Answer

Inform clients of available coverage options and document that the discussion occurred

Answer

A CTC must ensure clients are aware of travel insurance options and document that the conversation took place to protect both the client and the agency from future liability.

Question 3

What does 'Cancel For Any Reason' (CFAR) travel insurance allow a policyholder to do?

Accepted Answer

Cancel a trip for any reason and receive a partial refund (typically 50–75%) not subject to standard policy restrictions

Answer

CFAR is an optional upgrade that lets travelers cancel for any reason, including non-covered ones, typically receiving 50–75% of prepaid costs as a reimbursement.

Question 4

Which type of travel insurance covers the cost of emergency medical transport to the nearest adequate medical facility or back home?

Accepted Answer

Emergency medical evacuation

Answer

Emergency medical evacuation coverage pays for medically necessary transportation, which can cost tens of thousands of dollars, especially in remote or international destinations.

Question 5

A 'pre-existing condition exclusion' in travel insurance typically means:

Accepted Answer

Medical conditions that existed before the policy's effective date may not be covered unless a waiver is purchased

Answer

Most standard travel insurance policies exclude claims related to medical conditions the traveler had before the policy's effective date unless they purchase a pre-existing condition waiver.

Certified Travel Counselor (CTC) Practice Test

Certified Travel Counselor (CTC) Practice Test

CTC CTC Travel Insurance & Risk Management