Certified Travel Agent Practice Test

If a client misses her plane due to a traffic accident, is she covered under travel insurance?

1. Yes

2. No

3. Only if she was in a rideshare

4. Only if the accident was severe

The correct answer is: Yes

Travel insurance typically covers unforeseen events that affect a traveler’s plans, including missing a flight due to a traffic accident. Since the accident is considered an unexpected circumstance, the insured traveler would generally have coverage for any resulting missed connections as long as the policy covers trip interruption or missed flight provisions. This means that if a client misses her plane because of an incident out of her control, such as a traffic accident, she is likely to be compensated for any additional expenses incurred as a result, provided she follows the claims process outlined in her policy. While certain circumstances might affect claims—like the specifics of her coverage or whether she has been properly documented her situation—generally, the fact that it was a traffic accident supports her case for coverage. Various factors can influence policies, such as the type of insurance she purchased or specific terms outlined in her agreement.