Certified Travel Agent Practice Test

Which insurance type is not included in trip cancellation/trip interruption coverage?

1. Injury during travel

2. Carrier-caused delays

3. Unexpected illness

4. Death in the family

The correct answer is: Carrier-caused delays

Trip cancellation and trip interruption insurance covers specific unforeseen events that prevent a traveler from proceeding with their trip as planned. This type of insurance typically includes situations like unexpected illnesses, injuries that occur before or during the trip, or death in the family, as these events can legitimately disrupt travel plans. Carrier-caused delays, however, fall outside of the coverage provided by trip cancellation or interruption policies. These delays are typically the responsibility of the airline or travel provider and are not considered an unforeseen event affecting the traveler directly. They occur due to factors within the control of the travel service providers, such as mechanical issues, weather conditions affecting flight schedules, or other operational delays. Therefore, they do not trigger the need for trip cancellation or interruption coverage, which focuses on events affecting the traveler rather than operational issues from the travel carrier. In summary, trip cancellation and interruption insurance is designed to protect against personal circumstances that impede travel, while carrier-caused delays are more about the logistics of the trip itself.