Disability Income✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A travel accident policy is best classified as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Travel accident policies are limited-benefit products: they pay specified benefits, such as a principal sum for accidental death or dismemberment, when a covered accident occurs during travel. They do not reimburse all medical expenses and are not intended as comprehensive health coverage. Because the benefit is fixed and the covered exposure is narrow, the premium is low and the product often serves as a supplement sold with other travel or disability products. This limited-benefit classification is part of the standard breakdown of limited policies.
Why the other options are wrong
- B) Major medical reimburses a broad range of medical expenses; travel accident pays fixed benefits for narrow travel-related accidents.
- C) Long-term care policies cover custodial and skilled care needs, not travel accidents.
- D) Workers' compensation is a state-mandated program for work injuries, unrelated to travel accident coverage.
Memory hook
Travel accident = a small, fixed check for a narrow event. Limited scope, limited price.