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Travel Insurance Interview Questions & Answers - Learning Mode
COOLINTERVIEW.COM INSURANCE INTERVIEW QUESTIONS TRAVEL INSURANCE INTERVIEW QUESTIONS QUESTIONS & ANSWERS - LEARNING MODE

Travel Insurance Interview Questions & Answers - Learning Mode

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country. Travel insurance can help cover medical expenses or financial losses you might incur while traveling. It's often pitched as the best protection for those traveling domestically or overseas.

Try Travel Insurance Interview Questions & Answers - Exam Mode

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Travel Insurance Interview Questions & Answers - Learning Mode
Try Travel Insurance Interview Questions & Answers - Exam Mode
Question: Is one time travel insurance sufficient or do I need to take travel insurance for each visit?

Answer: It depends on your traveling schedule. In case if you are traveling on a one off, visit then single trip insurance would be sufficient in most cases. On the other hand in case if you are a frequent traveler or have plans to travel to the same country or region for multiple visits in a short period of time, then opting for a multiple trip travel insurance would turn out to be much more cost effective.

Before opting for multi trip insurance, it is imperative to know that the tenure of each Source: CoolInterview.com
Question: If I take travel insurance does that cover hospitalization charges?

Answer: Unless the travel insurance is a domestic travel insurance plan, most travel plans offer you a
hospitalization cover. This alone is a great reason to never leave home without a travel insurance plan. So if you are traveling overseas you are better off taking a travel insurance plan offering cover for hospitalization costs. Source: CoolInterview.com
Question: Do all travel insurance plans cover for a terrorist attack like plane hijack?

Answer: No, all travel insurance plans do not cover all kinds of terrorist attacks. Some plans offer coverage for hijacking while some do not cover hijacking under a terrorist related activity. Hence it is always prudent to check the details of your travel insurance plan so that you opt one which is protecting you against a terrorist attack. Source: CoolInterview.com
Question: If a trip is cancelled before I travel due to a medical problem how to get travel insurance claim?

Answer: If you are unable to go on your planned trip due to medical reasons you will need a certified copy of a physician certifying the same. If this was due to a pre existing disease it can be problematic as only if your travel insurance plan has a pre existing condition waiver then you can even get claims for pre existing diseases being the culprit.
Source: CoolInterview.com
Question: I am a senior citizen planning to visit my friends in USA. Can I get any kind of travel insurance?

Answer: Travel insurance is available or both domestic and overseas travel and divided into various plans and categories depending on the tenure and travelling destination. Senior citizen travel insurance is made available or people between 61 to 70 years of age generally offering protective cover against any medical emergencies including pre existing diseases for the elderly. For any visit to the United States, the insurance seeker especially senior citizens must get a higher sum assurance to cater for Source: CoolInterview.com
Question: What does travel insurance cover?

Answer: Travel Insurance basically covers five main coverage which are Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance.

Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.

Insurance companies provide a list of covered reasons for trip cancellation.

Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.

Em Source: CoolInterview.com
Question: I am traveling overseas on an H1-B Visa for work. Can i opt for travel insurance?

Answer: Yes you can opt for a travel visa in case you are travelling on a work visa or even an immigrant Visa. The maximum duration of most overseas travel insurance policies is from 90 to 120 days. Before the travel insurance policy expires, you should purchase an insurance policy from the country you are traveling to. Make sure to check the maximum duration of the overseas travel insurance policy before opting for one. Depending on your travel plans and the number of days you plan to be overseas, you Source: CoolInterview.com
Question: What is Air Accident Insurance?

Answer: Air accident insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Air accident insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to air accident insurance. Source: CoolInterview.com
Question: Is travel insurance available for domestic travel or only for international travel?

Answer: Travel insurance is available for both domestic and international travel. Just like travel insurance covers for international traveler, domestic travel insurance is available for all travelers within India including a cover for baggage delay, medical emergencies or any apparent financial loss during travel within the country. Before picking the right travel insurance plan for your journey make sure to compare various insurance plans to make sure they provide a maximum possible protective coverag Source: CoolInterview.com
Question: I need to travel overseas for some work and need to opt for travel insurance. What happens for pre existing diseases? Are they usually covered?

Answer: Travel insurance companies offer a dedicated overseas travel insurance plan. Usually people opt for a common travel plan and wrongly assume the coverage is offered for international travel. Only a handful of travel insurance companies offer insurance plans that cover pre existing diseases. A large majority of travel insurance plans do not cover any such existing diseases. So choose your travel insurance plan carefully if you need cover for a pre existing disease. Source: CoolInterview.com

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