Certified Travel Agent Practice Test

If a client drops her camera in the pool during her trip, is she covered by her baggage coverage insurance?

1. Yes

2. No

3. Only if it was insured separately

4. Only if she filed a police report

The correct answer is: Yes

Baggage coverage insurance typically protects personal items that are lost, stolen, or damaged during a trip, and this may include coverage for accidental damage, such as dropping a camera in a pool. The key factor here is that the client’s camera is treated as a personal item that falls under the protections provided by her baggage coverage. In many cases, damage that occurs due to accidental incidents, like dropping something in water, would be covered as it can be considered as a "covered event" under the policy, depending on the specifics of her insurance plan. This protection is designed to give travelers peace of mind regarding their possessions while traveling. The other options presented introduce conditions that typically wouldn’t apply in this scenario. Separate insurance for the camera may not be necessary if it's covered under the baggage policy, and filing a police report is generally required for theft or loss, but not for accidental damage. Thus, assuming her policy includes such coverage for accidental damage, the rationale for the answer supports that she would indeed be covered.