Certified Travel Associate Practice

Which type of insurance covers additional expenses to reach a destination if a client misses 24 hours of vacation due to covered reasons?

1. Baggage Delay

2. Collision Loss/Damage Insurance

3. Trip Delay

4. Travel Accident

The correct answer is: Trip Delay

The type of insurance that covers additional expenses incurred to reach a destination when a client experiences a delay of 24 hours in their vacation due to covered reasons is indeed trip delay insurance. This coverage is specifically designed to assist travelers when their plans are disrupted, providing financial support for additional expenses like transportation, accommodations, or meals that arise from unforeseen delays. Trip delay insurance is essential because it helps protect travelers from the financial impact of unexpected events, such as severe weather, mechanical failures, or other emergencies that could cause them to miss a significant portion of their trip. It ensures that they can still reach their destination and continue their journey with minimal interruption. Other types of insurance like baggage delay typically focus on providing compensation for lost or delayed luggage rather than addressing travel delays that affect the itinerary or schedule. Collision loss/damage insurance is concerned with vehicle damage during a rental and does not cover travel delays. Travel accident insurance is primarily focused on medical expenses or accidental death benefits related to travel incidents, not delays. Thus, trip delay insurance specifically addresses the additional costs associated with being delayed in reaching a destination, making it the correct answer.