OPC Travel Counsellor Practice Test 5

Every original question, with optional answers, explanations and official references. Open an answer to study, or take the test above for instant feedback.

1. What information must the agent keep up to date about its travel counsellors?

   1. Diplomas earned and years of experience
   2. Home address and social insurance number
   3. Name, annual salary and number of sales
   4. Name, certificate number and expiry date
   Show answer and explanation

   Correct answer: Name, certificate number and expiry date

   The agent keeps a list of its counsellors showing each one's name, certificate number and certificate expiry date.

   Based on: RAV art. 13.1 al. 1; official source in French checked 2026-10-24

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2. A package sold online is payable in euros. What must be stated before the contract is made?

   1. The tour operator's bank
   2. The payment currency
   3. Last year's exchange rate
   4. Nothing, currency is irrelevant
   Show answer and explanation

   Correct answer: The payment currency

   If payment is required in a currency other than Canadian dollars, the currency must be stated before the distance contract is made.

   Based on: LPC art. 54.4(h); official source in French checked 2026-10-24

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3. After the purchase, the Government of Canada issues an official advisory to avoid all travel to the destination. How does the Regulation classify this?

   1. A mere customer preference
   2. The customer's own fault or choice
   3. A cause beyond the customer's control
   4. A default by the travel agency
   Show answer and explanation

   Correct answer: A cause beyond the customer's control

   An official advisory from a Canadian authority to avoid all travel, or all non-essential travel, issued after the purchase is a cause beyond the customer's control that may lead to a refund from the Fund.

   Based on: RAV art. 43.9(b); official source in French checked 2026-10-24

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4. Which of these conditions must be met to obtain a certificate?

   1. Have sold travel for at least two years
   2. Hold a university degree in tourism management
   3. Pass the exam on the sector's laws and regulations
   4. Carry personal liability insurance
   Show answer and explanation

   Correct answer: Pass the exam on the sector's laws and regulations

   The applicant must pass the exam on the travel sector's legislative and regulatory provisions, as well as meet the other conditions of section 11.2.

   Based on: RAV art. 11.2(a); official source in French checked 2026-10-24

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5. Without written delegation to an officer or staff member, who must carry out the trust account’s banking transactions?

   1. An inspector from the Office
   2. The licence holder
   3. Any counsellor
   4. The supplying tour operator
   Show answer and explanation

   Correct answer: The licence holder

   The holder carries out transactions but may authorize an officer or staff member in writing, alone or jointly. A counsellor is not automatically authorized merely by holding that job.

   Based on: RAV art. 27; official source in French checked 2026-10-24

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6. When does a change in the contribution rate take effect?

   1. January 1 after the financial statements are filed
   2. The very day the financial statements are filed
   3. July 1 following, like the licence fees
   4. At each agency's next licence renewal
   Show answer and explanation

   Correct answer: January 1 after the financial statements are filed

   A change in the percentage takes effect on January 1 of the year after the financial statements showing the March 31 surplus are filed.

   Based on: RAV art. 39 al. 2; official source in French checked 2026-10-24

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7. What must the agent's books show about trust funds?

   1. Only commissions paid to counsellors
   2. Funds received, outlays and the balance per customer
   3. Only the account's total balance at year end
   4. Only payments made in cash
   Show answer and explanation

   Correct answer: Funds received, outlays and the balance per customer

   The books record all funds received in trust, outlays from the account and the unspent balance, in total and for each customer.

   Based on: RAV art. 17; official source in French checked 2026-10-24

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8. A customer hands a counsellor a cheque for a package. On whose behalf does the counsellor collect this money?

   1. The counsellor's own bank account
   2. The FICAV compensation fund
   3. The agent the counsellor is tied to
   4. The tour operator, directly
   Show answer and explanation

   Correct answer: The agent the counsellor is tied to

   The counsellor collects funds for the travel agent; they are deposited in the agent's trust account.

   Based on: RAV art. 11.1(e); official source in French checked 2026-10-24

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9. According to OPC, what is the maximum period after passing to pay issuance fees and link to an agency?

   1. Within 2 years
   2. Within 30 days
   3. Within 6 months
   4. Within 5 years
   Show answer and explanation

   Correct answer: Within 2 years

   OPC gives two years to pay the certificate issuance fee and establish the agency link. The regulation sets a two-year application period. Passing alone does not authorize independent travel sales.

   Based on: OPC — demande; RAV art. 11.3; official source in French checked 2026-10-24

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10. Which body oversees the law governing the sale of travel insurance?

    1. The Office de la protection du consommateur
    2. The Canadian Transportation Agency
    3. The Administrative Tribunal of Québec
    4. The Autorité des marchés financiers
    Show answer and explanation

    Correct answer: The Autorité des marchés financiers

    The Autorité des marchés financiers oversees the Act respecting the distribution of financial products and services, which governs selling travel insurance.

    Based on: AMF — distribution sans représentant; official source in French checked 2026-10-24

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11. A counsellor wants to meet customers at home. When is that allowed?

    1. If she displays her certificate in the front hallway
    2. If she sees fewer than five customers a week
    3. If the agent runs a duplicate-licensed establishment there
    4. If customers sign a release of liability form
    Show answer and explanation

    Correct answer: If the agent runs a duplicate-licensed establishment there

    The counsellor does not receive customers at home unless the agent operates an establishment there for which a duplicate licence was issued.

    Based on: RAV art. 11.1(d); official source in French checked 2026-10-24

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12. The agency closes before its customers leave. What can its security be used for?

    1. Funding a new agency opened by the Office
    2. Paying the agency's debts to its owner
    3. Refunding money paid for services not provided
    4. Paying severance to the agency's employees
    Show answer and explanation

    Correct answer: Refunding money paid for services not provided

    Section 28(b) concerns paid services not yet provided on business cessation. The claim must be liquidated and accepted as compliant by the president or provisional administrator; this is not automatic payment of every demand.

    Based on: RAV art. 28(b); official source in French checked 2026-10-24

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13. What statement about the money received must appear on the invoice?

    1. That it belongs to the agency
    2. That it is received in trust
    3. That the bank guarantees it
    4. That it is non-refundable
    Show answer and explanation

    Correct answer: That it is received in trust

    The receipt states that the funds are received in trust, except for certain exempt restricted-licence holders.

    Based on: RAV art. 18(2)(e); official source in French checked 2026-10-24

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14. When calculating the 7% threshold, what must be left out of the increase?

    1. Any rise in GST or QST
    2. The FICAV contribution
    3. The return flight price
    4. The fuel surcharge
    Show answer and explanation

    Correct answer: Any rise in GST or QST

    The 7% threshold is calculated without counting any increase in QST or GST.

    Based on: RAV art. 13.2(a)(ii); official source in French checked 2026-10-24

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15. Which body administers the Travel Agents Act in Québec?

    1. The Québec travel agencies' trade association
    2. The Office de la protection du consommateur
    3. The Canadian Transportation Agency
    4. The Autorité des marchés financiers
    Show answer and explanation

    Correct answer: The Office de la protection du consommateur

    The Office de la protection du consommateur (OPC) oversees the Travel Agents Act and its regulation, as well as the Consumer Protection Act.

    Based on: LAV art. 4, 12–14, 42; official source in French checked 2026-10-24

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16. Which law generally governs a consumer–merchant service contract, subject to its scope and exceptions?

    1. The Travel Agents Act alone
    2. The federal Aeronautics Act
    3. The Consumer Protection Act
    4. The Act respecting the distribution of financial products
    Show answer and explanation

    Correct answer: The Consumer Protection Act

    CPA section 2 addresses contracts for goods or services made in the merchant’s business. Definitions and exceptions still matter; the Travel Agents Act adds sector-specific duties.

    Based on: LPC art. 2 et champ d’application; official source in French checked 2026-10-24

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17. Which of these must appear in a written ad for a package?

    1. The name of the planned airline
    2. Last year's sales count
    3. The guides' average salary
    4. Each traveller's seat number
    Show answer and explanation

    Correct answer: The name of the planned airline

    A written ad lists the transport, lodging and meal services included, the airline planned at the time of publication and the length of the trip.

    Based on: RAV art. 15(a); official source in French checked 2026-10-24

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18. An agency repeats a false hotel description in its own ad. Can it dismiss every obligation solely because the tour operator wrote it?

    1. Only the media outlet that ran the ad
    2. Only the tour operator who wrote it
    3. No one, the error was in good faith
    4. No; its own advertising also binds it
    Show answer and explanation

    Correct answer: No; its own advertising also binds it

    Section 41 binds a merchant through its statements or advertisements. Repeating a description does not erase that duty. Actual remedies and liabilities depend on the facts; this is not proof of automatic joint liability in every case.

    Based on: LPC art. 41; official source in French checked 2026-10-24

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19. The Mexican peso has risen 4% since the contract was signed, measured 45 days before the service. Can the agent raise the price for that reason?

    1. Yes, if the customer travels to Mexico
    2. No, exchange rates never justify it
    3. No, the rise must exceed 5%
    4. Yes, any exchange rate rise is enough
    Show answer and explanation

    Correct answer: No, the rise must exceed 5%

    The exchange rate applicable 45 days before the service must have risen by more than 5% since the contract date.

    Based on: RAV art. 13.2(a)(i); official source in French checked 2026-10-24

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20. From what accumulated surplus do customers get a rebate of the contribution?

    1. $125M
    2. $100M
    3. $30M
    4. $75M
    Show answer and explanation

    Correct answer: $125M

    The statutory trigger is surplus of at least $125M in the March 31 financial statements. The rebate takes effect on January 1 after those statements are filed; it does not simply end whenever the balance drops below $125M, because the regulation sets a separate resumption threshold.

    Based on: RAV art. 39.01; official source in French checked 2026-10-24

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21. What legal role can the invoice play?

    1. It can serve as the service contract
    2. It replaces the customer's travel insurance
    3. It acts as a temporary agency licence
    4. It replaces the customer's passport
    Show answer and explanation

    Correct answer: It can serve as the service contract

    A detailed receipt can also document the service contract’s terms. Civil Code art. 2098 defines that contract, but merely issuing an invoice does not establish compliance with every contract or distance-sales requirement.

    Based on: RAV art. 18; Code civil art. 2098; LPC art. 54.4–54.7; official source in French checked 2026-10-24

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22. Which of these may be exempt from the travel agent licence?

    1. An online agency selling packages to Quebecers
    2. A carrier selling its own transport services
    3. A counsellor working alone from home
    4. A wholesaler designing packages for agencies
    Show answer and explanation

    Correct answer: A carrier selling its own transport services

    The Regulation has exceptions, for example carriers selling their own services and some tourist lodging operators offering local services. Agencies and wholesalers need a licence.

    Based on: LAV art. 3(c); RAV art. 1.1; official source in French checked 2026-10-24

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23. Which of these is a duty of a counsellor selling travel insurance?

    1. Making the customer buy insurance
    2. Pointing out the coverage exclusions
    3. Guaranteeing every claim will be paid
    4. Choosing the coverage for the customer
    Show answer and explanation

    Correct answer: Pointing out the coverage exclusions

    The distributor describes the product, points out exclusions, explains the claim procedure and deadline, and puts no pressure on the customer.

    Based on: AMF — décision éclairée, exclusions et absence de contrainte; official source in French checked 2026-10-24

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24. After valid cancellation of a credit-card distance contract, the merchant defaults on the statutory refund. What mechanism can be requested under s. 54.14?

    1. A complaint to the Administrative Tribunal
    2. A tax credit from Revenu Québec
    3. None, paying by card rules it out
    4. A chargeback from the card issuer
    Show answer and explanation

    Correct answer: A chargeback from the card issuer

    The written chargeback request follows the refund default under s. 54.13, within 60 days after that default, with the required information. Non-delivery alone does not automatically establish every chargeback claim.

    Based on: LPC art. 54.13–54.15; official source in French checked 2026-10-24

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