Are travel insurance and accident insurance really the same?

When traveling, many people don’t understand why they still need to buy travel insurance since they have already purchased accident insurance. Are they different? Is it really necessary to buy travel insurance after having accident insurance? What kind of accident insurance includes accidental medical care? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!

1. What is travel insurance

Travel insurance, as the name suggests, refers to insurance that protects the personal safety of the insured during travel. Since it protects personal safety, travel insurance can be classified as accident insurance, which is a short-term accident insurance. However, travel insurance is very different from traditional accident insurance. It includes some protection contents that accident insurance does not have.

The protection contents of travel insurance include the following items: emergency rescue, accidental injury, accommodation risk, medical expenses, etc. Among them, accidental injury is a necessary protection for this large category of accident insurance.

2. What is accident insurance

I believe everyone is familiar with accident insurance. It is a type of insurance that pays insurance benefits based on the death or disability of the insured due to accidental injuries. Personal insurance. The coverage of accident insurance includes accidental death, accidental disability, accidental medical accident, etc. Accident insurance compensation must also meet the accident conditions, which are external and unintentional.

3. The difference between travel insurance and accident insurance

Since travel insurance is a type of accident insurance, they have certain similarities, that is, the determination of accidents, and There is a certain overlap in coverage between the two.

Travel insurance and accident insurance have similarities but also great differences. The differences include the following:

1. Guarantee content. From the perspective of protection content, the coverage of travel insurance is broader than that of accident insurance. For example, some relatively rare extreme sports during travel are not covered by accident insurance, but they can be covered by purchasing travel insurance.

2. Protection scope. Accident insurance purchased domestically generally does not cover overseas accidents. If you want to be protected when traveling abroad, you still need to purchase overseas travel insurance separately.

3. Guarantee responsibility. The coverage liability of accident insurance includes accidental death, accidental disability and accidental medical expenses, while the coverage liability of travel insurance includes emergency rescue, accidental injury, accommodation risk and medical expenses.

So there is a difference between travel insurance and accident insurance. Accident insurance is more inclined to protect personal accidents, while travel accident insurance is a more targeted travel insurance.

When traveling, remember to purchase an exclusive travel insurance!