This quiz is designed to test your knowledge and help you understand travel insurance coverage and be a smart insurance consumer. The scenarios are generalized examples; in real cases there may be extenuating circumstances that affect the answer. Insurance is a highly personalized product, which is why we urge all consumers to read their insurance policy and ask questions to make sure your coverage meets your needs. Now let’s take the quiz!

Question Title

* 1. You are travelling to another province to see a concert. Who pays if you have a health emergency while out of province?

Question Title

* 2. You and your partner have a family (group) travel medical insurance plan. While away, you go to the doctor because your partner is experiencing severe abdominal pain. You happen to ask the doctor about a small, pinkish patch of skin that recently appeared on your forehead. She quickly diagnoses it is a common skin cancer and offers to do a quick in-office procedure to remove it. Are you covered?

Question Title

* 3. Your credit card includes travel insurance coverage whenever you leave your province. To get away from the winter cold, you decide to work abroad for a couple of months. You get injured during your last week away. Are you covered?

Question Title

* 4. In January, you book a winter getaway, including travel insurance, for February. Later, you hear that the Canadian government issued an “Avoid Non-Essential Travel” advisory for the country in December, and it is still in effect. You cancel your trip. Are you covered?

Question Title

* 5. Your knee has been bothering you and the doctor says you need an MRI. The earliest appointment you can get in your province is five weeks away. You decide to drive across the border for the scan and you purchase travel medical insurance. Are you covered for the service?

Question Title

* 6. You plan a trip to climb Kilimanjaro so you purchase a “sports and adventure insurance” policy. During the climb, you faint and hit your head, requiring you to spend one night in hospital for observation. Are you covered?

Question Title

* 7. Your travel insurance includes flight delay and baggage insurance. Your initial flight was late, causing you to miss your connecting flight. The next available flight isn’t for 14 hours so you have to stay overnight at an airport hotel. Are you covered for the hotel expense?

Question Title

* 8. Your migraine medication works well but makes you very groggy. The doctor reduces your dosage to see if that will help with the side effects. While on vacation a couple of weeks later, you get a migraine and trip and injure your ankle while heading back to your room. Are you covered for the treatment of the ankle injury?

Question Title

* 9. You attend your friends’ wedding in Jamaica. You and all your friends are doing shots and having fun by the pool when you decide to make a human pyramid. You slip off the top of the pyramid and land hard on your hand, breaking your finger. Are you covered for treatment of the injury?

Question Title

* 10. True or False: Trip Interruption insurance covers the cost of an early return flight if you suffer a heart attack while at your destination.

T