Certified Travel Associate Practice

Which insurance policy covers expenses for sickness or injury while traveling?

1. Baggage Delay

2. Medical/Dental Expenses

3. Travel Accident

4. Trip Delay

The correct answer is: Medical/Dental Expenses

The correct answer is Medical/Dental Expenses because this type of insurance specifically addresses the costs associated with medical care for sickness or injury that may occur while an individual is traveling. This policy typically provides coverage for emergency medical treatment, hospitalization, and dental services needed during a trip, ensuring that travelers have access to necessary healthcare without significant financial burden. Other options serve different purposes within travel insurance. Baggage Delay insurance compensates travelers for expenses incurred due to delayed checked luggage, such as purchasing essential items until the baggage arrives. Travel Accident insurance focuses on providing benefits in case of serious accidents that may result in injury or death, but it does not cover routine medical expenses. Trip Delay insurance reimburses travelers for expenses related to delays in their travel plans, like accommodation or meals, rather than medical care. Each of these options plays a role in comprehensive travel coverage, but only Medical/Dental Expenses directly addresses healthcare needs while away from home.