How to pay for travel insurance when it encounters an epidemic?

It depends on the situation. If you travel knowing that it is a medium-high risk area, then isolation insurance is not compensable. If you are just traveling and accidentally encounter a local epidemic, you will be isolated if you meet the conditions. The risk of isolation is compensable.

Travel insurance is a comprehensive insurance related to tourism. At the beginning, it was mainly aimed at people who traveled abroad for business or business. With the popularity of personal travel, it is now mainly to underwrite various risks in the process of personal vacation. The losses compensated by this insurance mainly include: personal accident (death or lifelong disability) compensation; Medical expenses and other related expenses, such as corpse transportation expenses and funeral expenses; Losses caused by cancellation or shortening of holidays due to death, illness, pregnancy, unemployment, accidents, court summons and other reasons beyond personal control. , such as down payment loss; Loss of luggage, personal belongings and money; Personal responsibility; Hospitalization expenses; Additional expenses caused by baggage delay; Additional expenses caused by travel interruption caused by traffic interruption; Compensation for travel delay exceeding 12 hour; Losses caused by the closure of travel agencies; Compensation for inconvenience caused by water stoppage, power failure and other reasons; The cost of losing a passport, etc. The above scope of responsibility can be increased or decreased according to the specific situation of travelers. This kind of insurance is mostly handled by travel agencies, and the insurance premium can be separately included in the total unit price of tour groups.