Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Under a typical travel health policy, which scenario is likely not excluded from coverage?

1. Hospitalization due to a sports injury

2. Hospitalization due to a "mugging" or violent crime

3. Emergency evacuation

4. Hospitalization due to pre-existing conditions

The correct answer is: Hospitalization due to a "mugging" or violent crime

In the context of typical travel health insurance policies, coverage for hospitalization due to a "mugging" or violent crime is generally included because these situations are often considered unexpected emergencies that can happen while traveling. Insurance policies typically cover unforeseen events that occur outside of the insured's control, and being a victim of a crime falls into that category. On the other hand, hospitalization due to a sports injury might be excluded depending on the policy specifics, as some insurers may have restrictions regarding high-risk activities. Emergency evacuation is usually a covered benefit, but it can depend on the circumstances under which evacuation is required. Hospitalization due to pre-existing conditions is commonly excluded in travel health policies since insurers often do not take responsibility for conditions that existed prior to travel without proper disclosure or additional coverage.