Self-Paced Learning Module: College

SELF-PACED LEARNING MODULE
COLLEGE
MODULE 7
Subject:
LEGAL ASPECTS IN TOURISM AND HOSPITALITY

(THC5-LATH)
AISAT COLLEGE – DASMARIÑAS, INC.
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Unit Study Travel Insurance Law
Module Studying Travel Insurance Law
THC5-LATH Legal Aspects in Tourism and Hospitality Units: 80hrs Page |2
INFORMATION PR-7.1.1
‘Travel Insurance Law’
Learning Objectives
At the end of the chapter, you should be able to:
1. Understand Travel insurance
2. Identify the kinds of travel insurance
3. Enumerate the common benefits of travel insurance
Travel Insurance Law
Travel insurance is an insurance product for covering unforeseen losses incurred while
travelling, either internationally or domestically. Basic policies generally only cover emergency medical
expenses while overseas, while comprehensive policies typically include coverage for trip cancellation,
lost luggage, flight delays, public liability, and other expenses
Policy purchase
Cost calculation
Travel insurance, are risk-based, and take into account a range of factors to determine whether
a traveler can purchase a policy and what the premium will be. This generally includes destination
countries or regions, the duration of the trip, the age of the travelers, and any optional benefits that
they require coverage for such as pre-existing medical conditions, adventure sports, rental vehicle
excess, cruising, or high-value electronics. Some policies will also take into account the traveler’s
estimated value of their trip to determine price. A policy may be a single trip, covering the exact
duration of the upcoming trip, or a "multi-trip" policy can cover an unlimited number of trips of limited
duration within a year.
Journey departure and return conditions
Most travel insurance policies must be purchased prior to departure from home, or from the
first departure point (e.g. an airport), depending on the product. A smaller number of brands offer travel
insurance for travelers who are already overseas and have forgotten to purchase travel insurance or
have a policy which has expired. Most policies require you to start and finish your journey in your
country of residence, however some policies offer coverage for one-way travel for people who are
permanently relocating to another country.
PREPARED BY: APPROVED FOR IMPLEMENTATION:

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PRELIM Meetin MS. AGNES C. GUIANG MR. WILBERT A. MAÑUSCA
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g Subject Teacher School Director
Complimentary travel insurance
Some credit card issuers offer automatic travel insurance if travel arrangements are paid for
using their credit cards, but these policies are generic and do not take into account personal
requirements and circumstances.
Common benefits
Medical
In the event of minor injury or illness overseas, medical benefits offer coverage for visits to
general practitioners, medicine, ambulance fees, and limited dentistry benefits. In the event of
hospitalization, most travel insurance policies include emergency assistance services, which can offer
guarantees of payment to hospitals for treatment, liaise treating doctors, and organize transfers
between hospitals or medical evacuations back to the insured person's country of origin. More
comprehensive policies include an emergency companion cover, so that a family member can remain
with the insured person while in hospital.
In the event of death overseas, medical benefit sections typically include cover for repatriation
of remains to insured person's the country of origin, or a funeral overseas.
Cancellation
Comprehensive travel insurance policies include cover for any cancellation fees or lost deposits
relating to cancellation of the insured's person's trip for a range of unforeseen and unexpected
circumstances. These include illness or injury, natural disasters and bad weather, strikes and riots,
hijacking, and family emergencies. Depending on the policy, it may also include cancellation due to jury
service, being made redundant from full-time employment, having your annual leave revoked if you are
in the armed forces or emergency services, and prohibition of or advisory against travel by a
government to a particular destination.
Alternative transport and travel expenses
Many policies include benefits for alternative transport, accommodation, and meal expenses if
your transport provider is delayed by a certain period, provided any layover times met the criteria in the
policy. Policies may also include a benefit to purchase essential items like clothing and toiletries in the
event baggage is delayed by an airline.
Luggage
Luggage benefits cover for loss, damage or theft of personal effects during your journey,
including passports and other travel documents. It may also include limited benefits for theft of cash.

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Public liability
This covers legal liability as a result of a claim made against you for bodily injuries or damage to
property of other persons.
Optional benefits
In addition to their base policies, many providers offer coverage for declared pre-existing conditions
(e.g. asthma, diabetes, cancer), higher risk sports and activities (e.g. skiing, trekking at high altitudes,
scuba diving), rental car damage, and cruising.
Common exclusions
Insurance companies issuing will often exclude coverage for ongoing known events to new
policies, and may announce long-term exclusions for specific events, such as volcanic activity from a
currently active volcano. As travel insurance is a risk-based product, many policies will exclude events
which may be of a far-reaching and poorly quantified risk, such as pandemics and endemics, acts of war,
and terrorism. Some policies exclude travel to certain countries, or parts of countries, where a greater
risk is expected. These determinations are often made based on official government travel advice from
organizations such as the US State Department or the Australian Department of Foreign Affairs.
Other common exclusions in travel insurance policies include undeclared pre-existing medical
conditions, unlicensed operation of a motorcycle, travelling for the purpose of receiving medical
treatment, elective surgery or treatment, or injury or illness caused by alcohol, drug use, or reckless
behavior.
Compulsory travel insurance
Certain countries will require that you have proof of sufficient travel insurance as a condition of
entry or of granting a visa. This includes travelers requiring a Schengen area or UAE visa, and visitors to
Cuba, Turkey and Belarus. Thailand and Egypt have announced plans to introduce similar requirements.
Tour companies and cruise providers may also have minimum travel insurance requirements before a
traveler can commence their journey.

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References:
1. ^ Barth, Stephen. (2009). Hospitality Law. p. 261.
2. ^ Barth, Stephen. (2009). Hospitality Law. p. 314.
3. ^ Third Edition, Published by Cornell University Press
4. Official Gazette
5. ^ "Travel Insurance | Ultimate Guide to Buying Cover". Www.
Comparetravelinsurance.com.au. Retrieved 7 February 2020.
6. * http://www.bsp.gov.ph/publications/media.asp?id=4886

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SELF CHECK PR-7.1.1

‘’Travel insurance’
Direction: Give the correct answer and write on the space provided.
1. What is Travel Insurance ?
2. What do you mean by Public liability?

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SELF CHECK ANSWER KEY PR-7.1.1

‘Travel Insurance’
1.Travel insurance is an insurance product for covering unforeseen losses incurred while travelling,
either internationally or domestically
2. Public liability

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STUDENT NAME: __________________________________ SECTION: __________________
WRITTEN WORK PR-7.1.1

WRITTEN WORK TITLE: Discussion Question: Travel Insurance
WRITTEN TASK OBJECTIVE: Students should be able to answer the discussion questions and give their
corresponding answers.
Direction: Read each given question carefully and give the corresponding answers.
Questions:
1. Why do travelers need to have a travel insurance?

2. What do you think is the main purpose of travel insurance?
3. Are you in favor of implementing travel insurance in a transportation company? Why of Why not?
ASSESSMENT METHOD: WRITTEN WORK CRITERIA CHECKLIST

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STUDENT NAME: __________________________________ SECTION: __________________
WRITTEN OUTPUT CRITERIA CHECK LIST PR-7.1.1
CRITERIA SCORING
Did I . . .
1 2 3 4 5
1. Focus on the given questions?
2. Follow the instructions?
3. Give the correct answers
TEACHER’S REMARKS:  QUIZ  RECITATION  PROJECT
GRADE:
5 - Excellently Performed
4 - Very Satisfactorily Performed
3 - Satisfactorily Performed
2 - Fairly Performed
1 - Poorly Performed
_______________________________
THC5-LATH- TEACHER
Date: ______________________

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SELF-PACED LEARNING MODULE

LEGAL ASPECTS IN TOURISM AND HOSPITALITY

AISAT COLLEGE – DASMARIÑAS, INC.

Travel Insurance Law

Journey departure and return conditions

PREPARED BY: APPROVED FOR IMPLEMENTATION:

Complimentary travel insurance

Alternative transport and travel expenses

PREPARED BY: APPROVED FOR IMPLEMENTATION:

Compulsory travel insurance

PREPARED BY: APPROVED FOR IMPLEMENTATION:

PREPARED BY: APPROVED FOR IMPLEMENTATION:

SELF CHECK PR-7.1.1

PREPARED BY: APPROVED FOR IMPLEMENTATION:

SELF CHECK ANSWER KEY PR-7.1.1

PREPARED BY: APPROVED FOR IMPLEMENTATION:

STUDENT NAME: __________________________________ SECTION: __________________

WRITTEN WORK PR-7.1.1

1. Why do travelers need to have a travel insurance?

ASSESSMENT METHOD: WRITTEN WORK CRITERIA CHECKLIST

PREPARED BY: APPROVED FOR IMPLEMENTATION:

STUDENT NAME: __________________________________ SECTION: __________________

WRITTEN OUTPUT CRITERIA CHECK LIST PR-7.1.1

PREPARED BY: APPROVED FOR IMPLEMENTATION:

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