I want to take a short trip, but I don't know how to buy travel insurance.

1. What is short-term travel insurance?

Short-term travel insurance is a kind of insurance designed by insurance companies specifically for short-term travelers to ensure their travel safety. The main characteristics of short-term tourism are short guarantee period and strong pertinence, and the insured can choose the corresponding guarantee period according to their own travel itinerary. Generally speaking, short-term travel insurance takes effect from 0: 00 every day, so the insured should pay special attention. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Second, the main types of travel insurance

1. Travel to personal accident insurance: Before traveling to scenic spots and experiencing thrilling tourism projects, it is best to choose voluntary travel to personal accident insurance. The insured amount is 10000 yuan, and at most 10 copies can be insured at one time. The insurance period is from the time you buy insurance and enter the tourist attractions to the time you leave the scenic spots.

2. Personal insurance for staying tourists: the insurance period is from 0: 00 on the day of stay 15 days, and the insurance can be renewed upon expiration, and multiple copies can be invested at a time. During the insurance period, the insurance company will pay insurance benefits according to different standards if tourists die, become disabled or lose their physical function due to accidents, foreign attacks, murders or to protect their own or others' lives and property, or their property is stolen or robbed.

3. Travel assistance insurance: jointly launched by insurance companies and rescue companies. Visitors can call for free assistance no matter where they are in danger at home or abroad. It will expand the service scope of the original personal accident insurance for tourists, extend the general after-the-fact claims of traditional insurance companies, and provide timely and effective help in case of accidents.

Third, how to buy short-term travel insurance?

1, purchased according to the means of transportation.

For short-term travel or temporary travel arrangements, you can choose short-term accident insurance sold by online insurance companies. In particular, the vehicle accident insurance sold online now is very convenient to buy. In view of the high incidence of traffic accidents during travel, consumers can buy separately according to the vehicles they are about to ride. For example, if you only take the train and the car on this trip, you can only cover these two modes of transportation and only cover the travel time, thus saving unnecessary expenses. You can buy insurance with a coverage of up to 100,000 yuan or even several hundred thousand yuan for ten yuan, which is very cost-effective.

2, domestic tourism to buy products with emergency protection.

Because the trip is short, domestic travel is the first choice for many people who plan to travel for a short time. When applying for insurance, it is recommended that you give priority to domestic travel insurance products with acute medical insurance, because acute diseases will inevitably occur during domestic travel. When applying for insurance, products with low deductible and high payout ratio should be preferred, because medical expenses below deductible are not reimbursed by insurance companies. Most people will have altitude sickness when they travel to the plateau. Therefore, if you travel to the plateau, I suggest you take out domestic travel insurance products with altitude sickness protection.

3. Short-term travel should pay attention to the insurance period.

Generally speaking, the insurance period of short-term travel should be full all day. This means that two days should be until 24: 00 the next day, not the usual two days. It is very important to pay attention to the insurance period of short-term travel, which makes the meaning of short-term travel insurance more clear.

4. Driving a tour bus must be guaranteed.

Go on road trip is a major form of short-term tourism. If you are driving without insurance, it is difficult to protect the risks in the whole travel process, so short-term travel insurance is very important. For your short-term travel insurance, you should prepare insurance for both people and cars. One is to protect people, and the other is to protect cars. People have personal accident insurance, and cars should also have car damage insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

5. Choose a regular insurance company and platform to buy.

There are many online insurance platforms, including regular insurance companies, some unreliable ones, and even some deceptive websites. Therefore, when insuring online, we should not only pay attention to the service quality and price of the insurance company, but also buy it on the regular website platform to avoid falling into the trap of criminals.