I traveled with a tour group two days ago and fell down on the way for my own reasons. Can I get compensation? The travel agency has bought travel insurance for me.

A friend of mine is a marketing planner of a well-known enterprise in Shenzhen. No matter how big or small the holiday is, he likes to join a tour group and walk around and feel different customs. A few weeks ago, he took part in a two-day and one-night tour of Xiamen with a group. As a result, there were many people in the tourist attractions, and he accidentally tripped and broke his arm. I thought the travel agency bought him travel insurance, so he could get a claim. I don't know. When I came back to claim, I was told that it was not covered. Later, he learned that travel agencies generally only buy compulsory travel liability insurance for tourists traveling with groups, and only cover economic responsibilities caused by negligence or negligence of travel agencies. Accidents caused by my own reasons, such as my friend, are not covered and cannot be settled. Therefore, I suggest that in order to ensure the safety of travel, before going out, in addition to confirming the travel liability insurance of travel agencies, you should also buy a travel insurance such as travel accident insurance according to your actual situation to increase protection. At the same time, if you need to carry out high-risk activities when traveling abroad, you must buy insurance specially customized by the insurance company in advance, otherwise the insurance company will not be responsible for compensation even if there is an accident. Because at present, general travel accident insurance covers high-risk activities such as rock climbing, adventure drifting, alpine skiing, bungee jumping and surfing, general personal accident insurance does not protect these high-risk activities.