How to use Ctrip Hotel to cancel insurance?

No, this cancellation of insurance is bundled consumption. You will only be refunded in case of natural disasters or man-made disasters or loss of passport and ID card. What's more, Ctrip doesn't care about this. You can just settle it with the insurance company, and then the insurance company will ask for a lot of messy things, which is very annoying. In short, Ctrip is deceptive. I suggest you book it on booking in the future.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.