If I have an accident while traveling, who can “protect” me?

Every holiday is the peak season for overseas travel. If you want to minimize the inconvenience and risk of travel, what preventive measures can you prepare in advance? What insurance can you choose?

Summer vacation coincides with travel. During the peak season, arranging a trip abroad is a small blessing for many busy office workers. Whether through a travel agency or as a self-guided backpacker, the surprises during the journey are fascinating, but unexpected "scares" are inevitable, and a rare and beautiful vacation may be ruined!

For example, the China Airlines attendant strike occurred recently. Many flights were canceled that day, and many people's scheduled itineraries were inevitably affected. However, because there is "advance notice" of strikes, most travel agencies and airlines can initiate contingency measures to minimize the impact. However, if there is flooding at the airport, power outage, or even a terrorist attack, it will be impossible to prevent it. For example, when heavy rain hit in June, the Taoyuan Airport was paralyzed for more than eight hours. Some passengers had flown abroad, and their luggage was still soaked in sewage. The load could not pass the "customs". Who should I ask for compensation at this time?

No one wants to encounter any trouble, big or small, but if it does happen, will the travel insurance purchased before traveling, or the insurance that comes with buying air tickets with a credit card, come in handy? What can be done to minimize losses?

Situation 1 Accidental injury

When people are in a different place and are not familiar with the place, accidents will inevitably happen, ranging from minor falls and scratches, a simple bandage will do. The situation was serious enough to require medical treatment and hospitalization, and the entire trip was disrupted. What should you do if you face huge medical expenses in high-consumption countries such as the United States, Canada, and Europe?

Who will "protect" you?

●Travel agencies

All legal travel agencies will carry "travel industry liability insurance". To put it simply, if a group member is involved in an accident or injury during the tour arranged by the travel agency, the travel agency must bear the resulting medical needs and expenses. For example, if you get into a car accident while taking a tour bus, or if you fall and get injured while visiting an attraction... the travel agency must be responsible for the traveler's medical expenses.

●Flight safety insurance (only during the flight)

Many people have the misconception that "swiping a card to buy a ticket will get travel insurance". In fact, the insurance that is generally given by swiping a card is correct. It’s called “flight safety insurance”. Flight safety insurance only covers the "during the flight", that is, it only protects the safety during the flight. If a plane crash occurs between takeoff and landing, you can apply for a flight safety insurance claim; when the plane lands safely, the flight safety insurance will expire.

●Travel safety insurance

Travel safety insurance, referred to as "travel safety insurance", only covers the entire journey, and the protection period can be set by yourself. For example, a flight takes off at 12 noon and leaves home at 8 a.m. You can request it from the salesperson when applying for insurance, and the coverage period starts at 6 a.m. that day. In the same way, after returning to your home country after traveling, you can also be protected until you return home.