LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Travel medical insurance generally:
- ACovers elective surgery abroad whenever it is cheaper than the same procedure at home
- BReplaces provincial coverage entirely for the duration of the trip outside the province
- CCovers all medical care abroad, including routine appointments and follow-up visits
- Covers emergency treatment abroad for a stated trip length, subject to a stability clause
Correct answer: D) Covers emergency treatment abroad for a stated trip length, subject to a stability clause
Travel coverage is emergency-only. Stability clauses (no change in condition or medication for a stated period) are the leading cause of denied claims; trip-length limits and provincial residency rules also apply.
Why the other options are wrong
- AElective care is excluded.
- BIt supplements provincial coverage.
- CIt is limited to emergencies.
Exam tip
Travel medical: emergencies only, stability clause, trip-length limit.
Common mistake
Failing to explain the stability clause to a client with a chronic condition.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.