Travel insurance can help you with what "things" you encounter when you travel.

As the saying goes, "There are unexpected events in the sky", so many people will buy travel insurance before going out. However, it is precisely because of "accidents" that when something really happens, even if you buy insurance, your brain is often a mess. At this time, we need to know what travel insurance covers. What should I pay attention to when buying?

1. What "things" can you guarantee when you travel?

There are many kinds of things that you will encounter in travel. Here are some common risk categories in travel insurance.

1. Infected with diseases or accidents

In case of accidents or serious illnesses of the insured, the relevant parties will provide urgent medical transportation. If the insured dies unfortunately, the insurance company will provide the service of returning the body to the original place of residence. When the insured suffers a serious accident by public transport at his own expense, the insured will receive double compensation. It should be noted that most of the travel insurance can cover the medical expenses caused by accidents during the journey, but only a few policies can also cover the medical expenses caused by illness during the journey. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Top ten insurance companies in China rank

2. Property is accidentally damaged or stolen

Travel insurance can provide protection for losses caused by cash, local currency, traveler's checks or lost passports during travel.

3. Delayed or lost luggage

Delays are likely to occur during the journey. When the personal luggage of the insured has not been delivered 12 hours after the arrival of the plane carrying the luggage at the destination, compensation can be paid every 12 hours. When the luggage is stolen, accidentally lost or damaged, it will also receive a certain amount of compensation.

4. Travel is delayed, shortened or cancelled

If the trip is delayed due to bad weather, mechanical failure, industrial action or hijacking, the insured can get compensation on time. If the insured or his family members need to end their journey early due to an accident, serious illness or death, they can claim compensation from the insurance company for the expenses they have paid or cannot enjoy. During the validity period of the policy, if the insured is unable to travel due to serious illness or accident, all the losses such as travel deposit and air tickets will also be borne by the insurance company.

second, what should I pay attention to when buying travel insurance?

1. It's very important to understand the warranty period

. If you exceed the warranty period, you will not be able to make up for your loss. Please pay attention to reading.

2. Read the coverage and exemption clauses carefully

Pay special attention to the exemption clauses. If it exceeds the coverage or falls into the circumstances listed in the exemption clauses, the insurance company will not pay compensation.

3, the insurance amount should be enough

This is a point that many people ignore. They think that just buying a little is enough to ensure safety, but it is not. When something really happens, if the insurance amount is too low, it often can't play a practical role.