What does it mean to buy insurance in a hotel?

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Cancellation insurance is more useful if you want to get a refund after the check-in time. This means that if you can’t check in for any reason after the check-in time and want to cancel and get a refund, this cancellation insurance can be used in full. A full refund will be given to you. If there is no cancellation insurance, a full refund will not be given to you. Some fees will be deducted. For example, if you haven’t checked in for a long time, but the hotel has kept the room for you, the loss fee will also be charged. You bear it, plus some handling fees and so on! Do you understand? If you understand and think what I said is right, please accept it, thank you