Glossary Flashcards
(259 cards)
1
Q
A B C Method
A
A time management strategy that allows you to arrange your daily tasks according to priority.
2
Q
Back to Back ticketing
A
An unethical ticketing practice in which clients buy two round-trip discount tickets for less than the cost of one round-trip ticket at full fare, thus circumventing certain restrictions on the discount tickets by rearranging departures and returns.
3
Q
Card Mills
A
Organizations that sell travel agent identification cards to the general public, under the guise of bona fide employment in the travel industry, promoting access to travel industry discounts.
4
Q
Double Booking
A
An unethical reservations practice of booking two reservations for an individual at the same time.
5
Q
Ethics
A
Moral principles of right conduct.
6
Q
Hidden City Ticketing
A
An unethical ticketing practice in which clients buy a less expensive ticket with a connection then actually end their trip at the connecting city.
7
Q
Profession
A
An occupation requiring a specialized body of knowledge.
8
Q
Professional
A
The term commonly used to describe people who earn their living by practicing some skill or engaging in some activity that requires expertise.
9
Q
Professionalism
A
The quality demonstrated by professionals who possess the skills and knowledge to perform their jobs with expertise and who are committed to the standards of the occupation and to the interests of the client.
10
Q
Tickler Files
A
Files that remind you to do something, to assist with time management.
11
Q
Time Log
A
A record of what you do and how long it takes you to do it, to assist with time management.
12
Q
Clarity
A
Principle of business writing that refers to the ability to write clearly.
13
Q
Completeness
A
Principle of business writing that involves presenting all the facts your reader will need to understand and respond to your message.
14
Q
Conciseness
A
Principle of business writing that means writing the message in as few words as possible.
15
Q
Copy
A
The written component of various marketing communications, such as brochures and advertisements.
16
Q
Correctness
A
Principle of business writing that means ensuring that what you’ve written is accurate.
17
Q
Courtesy
A
Principle of business writing that means including remarks in your writing, showing consideration of your reader’s interests and feelings.
18
Q
Direct Order
A
An organizational format that begins with the most important information — usually the conclusion and perhaps a recommendation.
19
Q
Editing
A
Cutting and rearranging text for final presentation.
20
Q
A
Electronic mail; refers to communications sent from one computer to another.
21
Q
Emoticon
A
Refers to emotion icons or symbols resembling a face and used to express feelings in electronic messages.
22
Q
Executive Summary
A
A special kind of short report that condenses a complex or lengthy subject into one concise page and may be attached to the complete report.
23
Q
Hook
A
An opening line that pulls the reader into the story.
24
Q
Informal Research
A
Includes any type of fact gathering short of a formal, controlled survey.
25
Inverted Pyramid
A style of writing in which key facts are up front, generally in the first paragraph, and sometimes in the lead sentence; supporting details follow in decreasing order of importance.
26
Netiquette
Refers to etiquette rules concerning the proper, professional, and polite way to communicate with people online.
27
News Release
An organized method to disseminate news about your business (formerly called a press release).
28
Proofreading
The process of checking what you’ve written for changes or corrections that need to be made.
29
Proposal
A written document that presents a solution to fulfill a need.
30
Report
An orderly, objective written message to assist in decision making or problem-solving.
31
Request for Proposal (RFP)
Describes a problem to be solved and invites respondents to present their proposed solution.
32
Tone
The attitude you convey about your written message.
33
Core Service
The products or services that you offer your customers. Core service is your reason for being in business.
34
External Customer
The person from outside the business who comes to the business to buy the products or services offered.
35
Focus Group
A small group of customers gathered together with a trained moderator to discuss a particular issue.
36
Internal Customer
Anyone inside the organization who depends on you in order to get their job done.
37
Moments of Truth
Brief opportunities that occur during a customer encounter when you have a chance to leave a lasting impression with that customer.
38
Upselling
Upgrading or converting the client to a more expensive or inclusive version of a product or service, for example, an outside rather than an inside cruise stateroom.
39
Value Added Service
Service that exceeds the expectations of your customer and enhances the perceived value of doing business with you or the company you represent.
40
Ackowledge
Listening technique used to show customers that you value what they are saying.
41
Benefits
The positive results provided by travel products, as perceived by the customer.
42
Clarify
Listening technique used to get more information about your customers’ needs.
43
Close the sale
Successfully lead a customer to a buying decision.
44
Closed Questions
Questions that invite precise, brief answers, usually in the form of “Yes” or “No,” such as “Have you been to this destination before?”
45
Confirm
Listening technique used to check your understanding of the customer’s needs.
46
Cross Selling
Offering extra products and services that go beyond a core product, such as a rental car with an air ticket.
47
Customer Focused Selling
The sales approach in which salespeople act as consultants whose knowledge, skill, and motivation will lead buyers to purchase decisions that best suit their needs.
48
Features
The inherent characteristics of a travel product.
49
Jargon
Specialized terminology used by people who share a similar profession, such as travel.
50
Lead
The initial point of contact that directs you to new prospects.
51
Open questions
Questions that encourage people to talk, such as "What did you have in mind?" or "How have you enjoyed traveling in the past?"
52
Preferred Suppliers
Travel providers that have negotiated extra commission rates with your agency based on attainment of sales objectives.
53
Probing
Asking questions to delve deeper for more information.
54
Prospecting
The process of finding new customers or identifying prospective purchasers.
55
Qualifying
The process of asking thoughtful questions and listening for key responses to determine the customer's travel needs.
56
Sales Cycle
A series of inter-related steps that describes the sales process.
57
Situational Selling
The sales technique that requires skilled sales professionals to adapt the steps of the sales cycle appropriately to both satisfy the customer's needs and keep the process moving toward a buying decision.
58
Trial Closing
The technique of asking questions like "How does that sound?" or "Will that work for you?" throughout the sales process in an attempt to gain your customers' agreement and moving them closer to the close of the sale.
59
Value
The relationship between price paid and performance received or benefits perceived.
60
Value Added
Additional services or products that support or enhance the travel experience to make it more convenient for the customer.
61
Active Listening
The level of listening that requires our highest degree of involvement; listening to help others by using verbal and nonverbal responses to express empathy for the speaker; listening for feelings and emotions.
62
Ambushers
Ineffective listeners who cannot wait to jump into the conversation to disagree with the speaker.
63
Amiable
A communication style characterized by friendliness, cooperation, and patience.
64
Analytical
A communication style characterized by seriousness, logic, and precision.
65
Body Language
Nonverbal body actions such as gestures, body movements, facial expressions, eye behavior, and posture.
66
Bypassing
A communication error that occurs when people interpret words or phrases differently.
67
Connotative
Meaning that is subjective and emotional, like the definitions that exist in the perceptions of our listeners.
68
Defensive Listeners
Ineffective listeners who take practically everything someone else says as a personal attack.
69
Denotative
Meaning that is objective and abstract, like the definitions that exist in the dictionary
70
Driver
A communication style characterized by independence, efficiency, and decisiveness.
71
Empathy
The ability to imagine another person’s point of view, to project yourself into another person’s situation in an effort to understand his or her thoughts and feelings.
72
Evaluating
The third stage in the listening process, in which we weigh the content of the message, sort fact from opinion, and render a judgment of the value of the message.
73
Expressive
A communication style characterized by enthusiasm, humor, and liveliness.
74
Feedback
All the verbal and nonverbal messages that we send out in response to our partners’ communication; any message, intentional or unintentional, sent by the listener to the speaker.
75
Hearing
A purely physical phenomenon in which sound waves are received by the eardrum.
76
Insensitive Listeners
Ineffective listeners who take everything they hear literally and ignore the tone of voice used by the speaker.
77
Insulated Listeners
Ineffective listeners who hear only those messages that are pleasant, while blocking out messages that are negative or unpleasant.
78
Interpersonal Communication
The exchange of messages and meaning between two people.
79
Interpreting
The second stage in the listening process, in which we assign meaning and importance to the sounds that we hear.
80
Intimate Distance
A speaker-to-receiver zone from 0 to 18 inches that is typically reserved for those whom we know well.
81
Listening
A deliberate, mental process in which the physical messages are interpreted and understood by the person who receives them; psychological process in which meaning is assigned to what is heard.
82
Nonverbal Communication
All the kinds of human responses not expressed in words.
83
Paraphrasing
Restating for the speaker what you believe is the essence of what has just been said; to reword the meaning of what was said.
84
Perception
The way in which objective data are interpreted by individuals.
85
Personal Distance
A speaker-to-receiver zone of 18 inches to 4 feet that represents the most common distance for communication in the workplace.
86
Publlic Distance
A speaker-to-receiver zone of 12 feet to limit of sight that is appropriate for public speaking situations.
87
Responding
The fourth stage in the listening process, in which we take action as a result of the message.
88
Selective Listeners
Ineffective listeners who hear remarks only of obvious interest to them and filter out those messages that are not of instant relevance.
89
Selective Perception
The process of seeing what we want to see and hearing what we want to hear.
90
Sensing
The first stage in the listening process, which occurs when sound waves reach our ears and we become aware that someone is trying to communicate with us.
91
Social Distance
A speaker-to-receiver zone of 4 to 12 feet that is usually used for impersonal message exchange.
92
Uptalking
Occurs when we end our sentences in a higher pitch, as if we are asking a question.
93
Verbal Communication
Human responses expressed in words.
94
Verbal Disruptor
Words or phrases tacked on to the end of statements that disrupt the flow from one thought to the next.
95
Verbalized Pause
Occurs when you fill the natural pauses in your speech patterns with sound.
96
Conflict
A set of divergent aims, methods, and behaviors.
97
Effective
Doing right things.
98
Efficient
Doing things right.
99
Goals
Statements of specific, measurable results to be achieved in accomplishing the objectives.
100
Leader
One who influences others to achieve a vision.
101
Mission
The reason or purpose why an organization, department, or project team exists.
102
Network
A supportive system of sharing information and services among people and groups with common interests.
103
Nominal Voting Technique
A structured approach, without much discussion, that narrows a list of options, resulting in the selection of one or more choices.
104
Objectives
Broad statements of a desired future condition based on what needs to be achieved.
105
Pareto Chart
An analysis tool used for separating the few significant factors from the insignificant many.
106
Strategies
Descriptions of specific tasks required to accomplish goals.
107
Synergy
The interaction of two or more people or teams so that their combined results are greater than the sum of their individual efforts.
108
Tasks
Work assigned or taken on as part of one’s responsibilities.
109
Team
Any group that is committed and organized to work together to achieve a common purpose.
110
Trend
The general direction in which something tends to move.
111
Values
A deeply held set of beliefs that guide organizational behavior.
112
Active Listening
Listening that occurs when a person takes the responsibility to understand something, without any prejudgment, by inviting the communication to continue.
113
Behaviors
The way people act.
114
Discretionary TIme
Time that is under your control and is needed to work on important goals.
115
Efficient
Describes a person who is doing things right.
116
Effective
Describes a person who is doing the right things.
117
Functions of Time Management
Planning, organizing, directing, and following up.
118
Good Communication
Occurs when the sender and receiver of a message have a common understanding of the message sent.
119
Pareto Principal
States that 80 percent of the work gets done in 20 percent of the time.
120
Parkinson's Law
States that work expands to fill the time available for its accomplishment.
121
Planning
A predetermined course of action.
122
Scheduling
Deciding when to do things
123
Summarizing
Playing back, in your own words, all the major points that have been covered.
124
Affinity Group
A category of travel that consists of a group of people who share a common hobby, interest, or activity, or who are united through regular participation in shared outings. Often it is treated as a subcategory of leisure travel.
125
Allocentric
A person whose life is centered on varied interests (the Latin root “allo” means “varied in form”). Allocentrics are outgoing, confident, and curious. Also sometimes called a venturer.
"A" for adventure
126
Business Travel
A category of travel that consists of travel services provided to a business for an employee who is traveling to conduct the business of the firm.
127
Buyer Psychology
The science of understanding why people make buying decisions.
128
Demographics
A method of classification or grouping people with similar characteristics together. Demographic measurements include age, sex, income, and employment.
129
Discretionary Travel
Travel that is undertaken because the traveler chooses to do so.
130
Familiarization Trips
Travel that is undertaken by travel counselors to learn about a destination or travel product.
131
Incentive Travel
Travel offered by companies in order to reward employees for their accomplishments.
132
Leisure Travel
Travel bought by individuals or groups for pleasure.
133
Meeting Travel
Travel that is undertaken to attend an organized event or meeting.
134
Mid-Centric
A person who travels in order to break from the routine, and to strike a healthy balance between work and play.
135
Nondiscretionary Travel
Travel in which the traveler has no choice about dates or destination.
136
Psychocentric
A person whose thoughts are centered on the small, everyday problems of the self. This type of person is inhibited and unadventurous, and values familiarity and comfort in travel. Also sometimes called a dependable or an authentic.
137
Psychographics
A method of classification or grouping people with similar characteristics together. Psychographic characteristics include values, beliefs, and lifestyle.
138
Acquiring Bank
The bank with the relationship with the merchant. The bank acquires—or accumulates—the credit card purchase slips for processing into the payment system.
139
Address Verification System (AVS)
An additional security feature that indicates that the person presenting the card also knows personal information about the cardholder, such as the home billing address for that card.
140
Approved to Travel list
A list provided by a company detailing the employees who are approved to travel using the company’s payment arrangements.
141
Auditors Coupon
The last copy of an airline ticket.
142
Authorization Code
The indication from the credit card company that the card is in good standing and has not been reported stolen and that the amount is not over the credit limit.
143
Card Validation Code
A three-digit security number in italics is imprinted in the signature panel for MasterCard, VISA and Discover. The American Express card number is printed on the face of the card and contains four digits. It is generated with a mathematical algorithm to match only the account number of that card. When someone is able to give this number, it proves that he or she has the card in hand.
144
Chargeback
An amount that is charged back through the system to the merchant. Generally, the bank notifies the merchant with a debit memo, which deducts the amount of the transaction from the merchant’s account.
145
Computer Reservation System (CRS)
The computer system used to make reservations; either the general system used for airlines or a particular system used by the agency.
146
Credit Card
A plastic card issued by a bank or credit card company to its client with an account number specific to that client. The bank or credit card company promises to pay for the purchases made by the client with that card, provided the merchant verifies that the card is in good standing.
147
Credit Card Associations
Associations (such as MasterCard and VISA) comprising all member banks (both acquiring and issuing banks). The association authorizes, clears, and settles credit card transactions. The association also is responsible for supporting the card trademarks, including legal, marketing, security, technical, and administrative efforts.
148
Credit Voucher
A document that reverses a charge made by a client.
149
EMV
A global standard in which credit cards carry computer chips that cut down on counterfeiting.
150
Fraud
An act or statement that attempts to deceive, trick, or cheat.
151
Issuing Bank
The bank with the relationship with the customer. It “fronts” money for purchases immediately back to the acquiring bank and then to the merchant, and subsequently collects the money from the customer.
152
Member banks
The acquiring and issuing banks involved in credit card associations.
153
Personal Identification Number (PIN)
A number punched into the system when a debit card is presented for payment to prove that the person using the card is the rightful cardholder.
154
Point of Sale Terminal (POS)
An electronic terminal connected via modem to the credit card association; used most often in retail establishments to obtain authorizations.
155
Rightful Cardholder
The person listed on the account as allowed to make purchases with that credit card.
156
Sales Report
A report made to the credit card companies, generally weekly, about that week’s credit card transactions.
157
Sales Slip
A hard-copy paper charge form detailing the sale.
158
Security Character
A special small character on the front of a credit card, stylized to show that the card belongs to the issuing company.
159
Signature on File or Card Imprint on FIle
A permanent record of a person’s signature or an imprint of a person’s credit card, which proves that the card belongs to that person.
160
Swipe
When a credit card is swiped through an electronic point-of-sale terminal.
161
System to Avoid Fraud Effectively (SAFE)
A program created by MasterCard to identify fraud-prone merchant categories or specific merchants that are likely to commit fraud. Other credit card companies have similar systems.
162
Circle Trip
A type of routing in which the beginning and ending point of the itinerary is the same.
163
City Sight Seeing Tour
A narrated sightseeing event that takes place wholly within the city limits (standard length of time: one-half day or full day). It includes transportation (usually motorcoach), services of a local guide, fees/admissions to local attractions, and meals if applicable.
164
Excursion
A narrated sightseeing event that takes place outside of the city limits, with a return to the originating point (excursions can be one-half day or up to several days in length). It includes transportation (usually motorcoach), services of a local guide, fees/admissions to local attractions, and meals if applicable.
OR
Short (one-hour, half-day, or full-day) tours of a limited area, such as a city sightseeing tour
165
FIT Foreign Independent Tour
A tour for which the travel professional books all elements of the tour and designs a unique and individualized itinerary for an independent client.
OR
Prepaid, prearranged travel programs that include accommodations and other components such as transfers, rental cars, sightseeing excursions, meals, and/or admissions to attractions; may also include air transportation
166
Hub and Spoke
A type of routing that allows the client to stay in one “home base” for a period of time, while taking day trips and excursions. Similar to the hub-and-spoke system of the airlines.
167
Itinerary
The logical, interesting, and sequential planning of all the elements of a trip — transportation, accommodations, sightseeing, visits to attractions, meals, and so forth.
168
Open Jaw
A type of routing in which the arrival and final departure cities are different.
169
Tour Elements
All components of a tour itinerary, including transportation segments, accommodations, and activities.
170
All Inclusive Resort
Type of resort that includes accommodations, meals, entertainment, and a majority of on-site activities for a single price
171
The 5 Ws
Basic questions beginning with “Who,” “What,” “Where,” “When,” and “Why” that are often used to pre-qualify clients
172
Marekting
All of the activities that drive customers into your agency
173
Pre Qualifying
The process of asking some basic initial questions to assess the buying characteristics of your client
174
Price
The actual cost of the vacation - the invoice amount
175
Qualifying
The process of identifying your clients' needs by asking thoughtful questions and listening for key responses
176
Shells
Generic brochures that allow you to send a customized message to prospective clients
OR
Preprinted brochures and e-marketing materials with photos, illustrations, and graphics but no text; also called slicks.
177
Third Party Endorsement
A sanction or approval from a legitimate source other than the salesperson
178
Assertive Questions
Questions that lead your client to the notion of escorted vacation travel
179
Database marketing
Keeping detailed records of clients’ demographic and psychographic data to segment the market and target qualified prospects
180
Escorted Vacation
A prearranged journey to one or more destinations that typically includes transportation, accommodations, sightseeing, and other components—plus the services of a professional tour director or escort from arrival at the first destination to departure at the final stop on the itinerary
181
Fly Drive
Independent vacation packages that include air transportation, accommodations, and a rental car
182
Pre Closing
Gaining many little agreements that lead up to the major agreement
183
Testimonial
An endorsement or recommendation from a third party
184
USTOAs $1 Million Travelers Assistance Plan
A program from the United States Tour Operators Association that covers travelers’ deposits and payments for up to $1 million in the event that a USTOA active member company declares bankruptcy
185
Adventure Tour
A tour designed around an adventurous activity such as rafting, hiking, and mountain climbing.
186
Branding
The marketing practice of creating a name, symbol, or design that identifies and differentiates a product from other products.
187
Closeout
Finalization of a tour, cruise, or similar group travel project after which time no further clients are accepted, any unsold air or hotel space is released, and final lists and payments are sent to suppliers.
188
Consortium
A collection of independently owned and managed agencies that band together to increase their buying power.
189
Consumer Protection Plan
A plan offered by a company or an association that protects customers’ deposits and payments from loss in the event of company closure or bankruptcy.
190
Cooperative (Co-op) Advertising
An agreement between two parties to share the cost of placing an advertisement and other promotional activities.
191
Customer Tour
A travel package created specifically for a preformed group or niche market.
192
CRM
Software that allows agents to create and maintain an extensive database that covers special interests and travel patterns.
193
Database
A computerized, organized collection of individual customer information.
194
Direct Mail
Promotional pieces sent through the mail.
195
Market
All existing and potential customers for a product or service.
196
Marketing Plan
A written report that details marketing objectives for a product or service and recommends strategies for achieving the objectives.
197
Mission Statement
The concise description of an organization, its purpose, and what it intends to accomplish.
198
Niche
A highly specialized segment of the travel market, defined by the common characteristics that a group of potential travelers shares, such as an affinity group with a unique special interest.
199
One on One Marketing
A marketing strategy that requires communicating with customers on a one-on-one basis and using that information, coupled with technology, to create personalized travel.
200
Pied Pipers
Group leaders who are well respected and liked in an organization and who will attract fellow travelers just by having their names on a brochure.
201
Preformed Group
A pre-existing collection of travelers, such as affinity groups and travel clubs, whose members share a common interest or organizational affiliation.
202
Public Relations
A core strategy for promotion that primarily involves sending news releases to newspapers, magazines, and radio stations.
203
Special Interest Travel
Travel that focuses on a particular activity, hobby, or interest or is experienced by a group whose members share common characteristics such as demographics, affinities, or specialized interests.
204
Target Market
The group of customers who will be the focus of a company’s marketing efforts.
205
Volunteer Tourism
An increasingly important niche for travelers who want to give back to others and the worldwide community.
206
Amazon Safari Lodges
A type of accommodation found throughout the jungle regions of the Amazon basin, some of which are extremely primitive; many lodges don’t have running water or electricity; only for the adventurous.
207
Bays
Areas of ocean water, smaller than gulfs, that penetrate landmass but are less enclosed by land.
208
Canyons
Deep, narrow valleys having high, steep cliffs.
209
Capes
Land projections extending into the water that are shorter than peninsulas.
210
Cays
Small and low islands comprised of sand and coral.
211
Continents
Largest land masses on earth that include: North America, South America, Asia, Africa, Australia, Antarctica, Europe.
212
Desert
Portion of the surface of the earth in which there is little or no rainfall.
213
Eastern Hemisphere
The portion of the earth including Europe, Asia, Africa, Australia, and the majority of the islands in the Pacific Ocean.
214
Estancias
Active cattle ranches in South America that offer room and board at reasonable prices.
215
Fjords
Inlets that are deeply indented into the coastline and are narrow with steep cliffs.
216
Flat Map
Two-dimensional representation of a sphere.
217
Globe
The most accurate type of map because it represents the earth in three dimensions.
218
Greenwich Mean Time
The time at the prime meridian that serves as the basis of all world time. Places to the east of GMT are later in time; places to the west of GMT are earlier in time.
219
Gulf
Large areas of the ocean water that penetrate into a land mass.
220
Human Geography
Focuses on people and their patterns of settlement and activity.
221
International Date Line
An arbitrary line that is located halfway around the world from the prime meridian at which the date changes.
222
Islands
Small bodies of land surrounded by water.
223
Lakes
Bodies of water that are encircled completely by land and are generally smaller than seas or gulfs.
224
Latitude
Parallel lines of measurement drawn from east to west between the equator and north and south poles that measures degrees north and south of the equator.
225
Leeward
The side of the mountain facing away from the wind.
226
Locator Maps
Found in various reference books; usually represent a small area (city or an island, for example) and identifies major hotels, attractions, and major streets.
227
Longitude
Meridians or lines that are drawn north to south, converging at the poles, that measure degrees east and west of the prime meridian, which runs through Greenwich, England.
228
Micro States
Tiny political units that are holdovers from medieval times. Some micro-states include Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, and Vatican City (inside the city of Rome, Italy).
229
Mountains
Land elevations that affect travel due to their effect on climate.
230
Northern Hemisphere
All places on earth north of the equator.
231
Padoras
Manor houses, castles, monasteries, and mansions that have been converted to hotels and inns; boast the local history and charm of the region. Located in Puerto Rico and Spain.
232
Peninsulas
Land projections extending into the water that are longer than capes.
233
Physical Geography
The study of the earth’s natural features and geography.
234
Political Map
Shows country, state boundaries, coastlines, island nations, major bodies of water, country names and capitals.
235
Prime MEridian
The line of longitude running through Greenwich, England at zero degrees.
236
Reefs
Offshore ridges of land that rise to or just below the surface of the ocean.
237
Relief Map
Shows natural features of the land: mountain ranges, peaks, valleys, rivers, and coastlines. Colors or shading are used to show elevation levels.
238
Rivers
Large natural inland streams of running water.
239
Route Map
Indicates where various transportation systems travel, for example, airline and rail route maps.
240
Southern Hemisphere
All places on earth south of the equator.
241
Time Zones
The earth is divided into 24 zones, each with a width of 15 degrees longitude. Within each zone the time is one hour different than that in a neighboring time zone.
242
Tourism Geography
A study of the world and its destinations as seen through the eyes of a travel agent, about what is relevant and practical to the travel professional.
243
Traditional Geography
A study of the world and its destinations, presenting what is relevant and practical to the travel professional.
244
Tropic of Cancer
A line of latitude that lies at 23.5 degrees north of the equator, which in combination with the Tropic of Capricorn defines the tropical climatic region.
245
Tropic of Capricorn
A line of latitude that lies at 23.5 degrees south of the equator, which in combination with the Tropic of Cancer defines the tropical climatic region.
246
Volcanoes
Mountains that have openings from which heated solid, liquid, and gaseous matters are ejected. Three types are: dormant (can erupt again), active, and extinct.
247
Western Hemisphere
The portion of the earth including North and South America, Greenland, plus all adjacent islands and Hawaii.
248
Windward
The side of a mountain facing the wind
249
Accidental Death and Dismemberment
Coverage provides cash payment for accidental loss of life or limb while traveling.
250
Baggage Delay
Coverage that reimburses for the purchase of essential items, such as toiletries and items needed until baggage is recovered if baggage is delayed more than a certain number of hours.
251
Baggage Loss
Coverage that reimburses for expenses incurred due to theft, damage, or the mysterious disappearance of personal property.
252
Collision Loss/Damage
Coverage that reimburses the cost of damage to, or theft of, a rental car.
253
Emergency Medical Transportation
Coverage that pays for transportation ordered by a doctor to the nearest adequate medical facility (a facility nearest to the insured’s location that can handle the condition). Pays up to the policy limit for a special medical escort if recommended in writing by a doctor. Medical repatriation helps cover costs for returning home once the insured is able.
254
Medical Dental Expense
The reasonable and necessary cost of treatment for injury or sickness—provided by a medical doctor, dentist, or professional nurse on an emergency or urgent basis—that is actually incurred by the insured (e.g., if the insured needs a prescription when he or she gets the flu).
255
Pre-Existing Condition
An injury, illness of the clients (or that of a family member or traveling companion) that existed during a defined time frame before the date the client bought the insurance and paid a deposit for the trip.
256
Primary Coverage
Coverage that pays 100 percent of cost to the covered benefit amount. (That is, the travel insurance company pays first. There is no need to file with another carrier such as a medical or homeowner’s insurance company, airlines, and so on.) No deductible or copayment is required.
257
Travel protection
Insurance coverage and assistance services that safeguard the consumer before, during, and the trip.
258
Trip Cancellation/Trip Interruption
Coverage that protects the insured’s financial investment if his or her trip is canceled or interrupted for covered, unforeseen reasons such as a medical condition, bad weather, unannounced labor disputes, termination of employment (only some companies), or financial default.
259
Trip Delay
Coverage that reimburses up to policy limits each day for reasonable additional accommodations and travel expenses, such as meals, taxis, and so on, when client is delayed more than a certain number of hours.
