I bought delay insurance on Alipay the day before I came back from traveling abroad, and refused to claim compensation after I came back? Is this normal?

The sales area of online insurance is the whole country. I was already abroad at that time, so I couldn't settle the claim.

But also wrote the reasons for refusing compensation. I was abroad when I bought it, which is written in the exemption clause.

You need to read the terms and conditions to buy your own products, and it is not recommended to buy your own insurance products. It's best to find a salesman who can understand the terms.