What are the types of travel insurance and how to buy insurance for short-term travel?

Wutongshu Insurance Network will help you answer questions ~

At present, online travel insurance products can be roughly divided into three categories:

1. Travel vehicle accident insurance

This kind of insurance generally only provides protection for accidents and disabilities on trains, planes, cars, ships and other means of transportation during the journey, and can meet all our needs from departure to destination. However, various tourist traffic accident insurance products have different emphases, so you should choose the corresponding products according to the means of transportation you choose.

2. Ordinary travel accident insurance products

This kind of products are mainly used to compensate for the unexpected medical expenses caused by death or disability caused by personal accidents during our journey. Compensation for accidental medical expenses refers to the medical expenses incurred due to accidental injuries during travel. Ordinary travel insurance products can choose their own insurance period, death insurance amount and accidental medical expenses compensation according to their needs. If the travel time is short, the journey is relatively safe and the distance is not too far, you can consider insurance with short days and low premium.

3. Comprehensive travel insurance products

Such products include property damage, emergency assistance, travel delay, personal liability, etc. Under the same amount of insurance, the premium of this kind of products varies greatly according to different tourist locations and different insurance days. The domestic short-term minimum is only 20 to 30 yuan, while the long-term price abroad can reach nearly 1,000 yuan.

At present, most travel insurance can freely choose the number of days of protection, so short-term travel can also choose these three types of insurance according to their own needs. Note that the guarantee time must cover the whole travel itinerary to avoid the lack of guarantee.