Registered Insurance Brokers of Ontario (RIBO) Practice Exam

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Which of the following is a common exclusion in travel health insurance policies?

Accidental injuries
Elective surgeries
Emergency medical treatment
Unintentional injuries from accidents

The correct answer is: Elective surgeries

Elective surgeries are indeed a common exclusion in travel health insurance policies. This is primarily because travel health insurance is designed to cover unexpected and urgent medical needs that arise during travel, whereas elective surgeries are planned procedures that can typically be scheduled and managed in one's home country. Since these surgeries are not due to emergencies, they fall outside the scope of coverage that travel health insurance provides. In contrast, accidental injuries and unintentional injuries from accidents are typically covered under these policies, as they represent unforeseen events that require immediate medical attention. Emergency medical treatment is also a core component of travel health insurance, ensuring that travelers can receive necessary care in a timely manner during their trips. Therefore, excluding elective surgeries aligns with the fundamental purpose of travel health insurance, which is to address urgent medical needs rather than planned healthcare services.