Do I need to buy insurance for domestic travel? I am going to travel in two days. Can I buy travel insurance on the same day?

With the improvement of people's living standards and the increase of work pressure, traveling has become the best way for many office workers to relieve stress and have fun. It is also necessary to buy a travel insurance when traveling. .

Taking into account the effective time of the insurance product, it is best to purchase it one day in advance. Each insurance company has travel insurance. As for which company’s insurance and insurance amount you choose to buy, you must decide according to your actual situation. . I don’t know if my answer will be helpful to you. I wish you a happy journey!

You must buy it, you cannot buy it on the same day, you need to buy it in advance

As a frequent traveler, I would like to give some suggestions for buying insurance:

1. Buy on regular platforms , don’t buy it on unknown small platforms

2. Choose the right type of insurance, and don’t buy the wrong one

3. Be optimistic about the terms in the insurance, some non-tourist attraction accidents It is not included

4. It is recommended to buy more property insurance, such as the kind that can compensate if your mobile phone is lost during travel

5. If there are elderly people or children traveling with you, give it to them Be sure to pay attention to the age limit when buying insurance

I hope the above suggestions will be helpful to you.

You need to buy travel accident insurance. If you are driving by yourself, you also need to buy self-driving travel insurance. The insurance needs to be purchased one day in advance. If purchased on the same day, the effective date will be postponed by one day.

Personally, it is recommended to buy a travel accident insurance for peace of mind. It is also recommended that you buy it at least one day before traveling, because the effective time of the insurance is generally on the day of the insurance. Effective at 00:00 on the start date. If it is insurance in the park (such as cable cars, etc.) or tourist bus insurance, you can purchase it at the same time as purchasing the ticket on the day.

If you only travel domestically and do not like any high-risk sports, there is no need to buy another travel insurance after purchasing general accident insurance and million-dollar medical insurance. If there is no protection, then it is okay to buy a self-defense one. When choosing travel insurance, pay attention to these points

The protection content of travel insurance is very complex, mainly including 6 items: death and disability protection, medical protection, emergency rescue, financial loss, time delay, and liability protection.

In addition, travel insurance also provides exclusive protection for emergency medical evacuation, transportation of deceased remains, personal and pet liability, safety of personal belongings, credit card theft, loss of travel documents, etc. Very practical and user-friendly.

Let’s take American Asia Property & Casualty Insurance’s Overseas Travel Insurance as an example. The protection contents included in this product are as follows:

Here is a brief introduction to some of them meaning of responsibility.

With so many insurance liabilities, how should you choose? We can focus on the following points:

Selection point 1: Pay attention to the scope and amount of accident protection

Some products will reduce the general accident insurance amount in order to be cheap and have high insurance coverage. Reduce the insurance coverage for vehicle accidents, especially aviation accidents, to a very high level. But in fact, the overall probability of accidents in transportation is far lower than ordinary accidents.

Therefore, when we choose travel insurance, we should pay more attention to the insurance coverage for general accidents, and also check whether high-risk items such as diving, skiing, and hot air ballooning are covered. If they are, Also check the definition of the sport, such as diving, whether it requires wearing an oxygen tank, and whether there are any requirements for depth and sea area.

Selection Point 2: Pay attention to the medical insurance amount

In the event of an accident, medical expenses are the top priority, and the medical insurance amount must be sufficient to cover the medical expenses in the travel area. Generally speaking, for domestic travel, RMB 50,000 to RMB 100,000 is basically enough for accidental medical expenses; for overseas travel, try to buy more than RMB 300,000 for medical expenses.

In addition, some countries and regions have requirements for the amount of medical expenses covered by travel accident insurance, otherwise you will not be able to enter the country.

For example: Schengen countries require no less than 30,000 euros (approximately 300,000 yuan), and Taiwan, our country, requires no less than 125,000 yuan.

Selection point 3: Pay attention to emergency rescue services

If an accident occurs while traveling, it is likely to be far away from the hospital or a more professional large hospital; or if an accident occurs abroad, The local medical conditions are limited and urgent transportation back to the country is required. At this time, rapid medical rescue and transportation are needed to gain valuable time.

The resulting shipping costs are often a considerable expense. Therefore, when purchasing travel insurance, especially those who are preparing to travel abroad, it is best to include this service.

Selection Point 4: Pay attention to sudden death protection

Sudden death is sudden, but it is caused by disease, so it is not covered by accidental death. Sudden death due to overexertion and other reasons while traveling is also very possible.

Selection point 5: Look at additional additional protections

Such as travel delays, luggage and money theft, personal liability, credit card fraud and other protections, these insurance amounts are not high. But something is better than nothing.

Finally, travel insurance does not take effect as soon as you buy it. It usually does not take effect until the next day, so remember to buy it in advance.

There are many types of domestic tourism. If you take a regular route and mostly visit urban attractions, I don’t think it is necessary to buy insurance, but, just like in life, When it comes to insurance, whether you want to buy it or not is entirely up to the individual. Listening to the terminology of insurance professionals will be more convincing. In my opinion, a more realistic statement is that if the financial ability allows, it is of great significance to be prepared and stop losses. It's okay to just have some peace of mind sometimes.

However, personally, I don’t buy travel insurance that often because I have a certain degree of confidence in myself. I put safety first every time I travel. In addition to the purpose of happy travel, Bringing yourself back unscathed is also a goal that you must achieve, so you will be fully prepared, accumulate experience, go as far as you can, and take more public transportation. If you find that the risk factor is high, you will give up the trip at any time. .

If you are driving by yourself, it is necessary to buy insurance before traveling. There are also special insurances, the price is not high, and most people can afford it.

If you are not driving yourself, but taking an outdoor route, which is more challenging, purchasing insurance is a basic requirement. This is more obvious when looking at those outdoor companion stickers.

Having said that, even if you buy the corresponding insurance, you hope you won’t have the chance to use it. Taking practical actions to ensure travel safety is the most fundamental.

If you want to buy it, you can make it one day in advance, or before departure, it should be determined according to the insurance regulations.

When traveling domestically, if you have purchased sufficient accident insurance + medical insurance, there is no need to purchase travel insurance.

If you have not bought it or the insurance amount is not enough, you can also choose to buy travel insurance for a few days. Since the coverage period is short, the premium is also very cheap, but it is not cheap if it is converted into years. It is better to just buy it directly Plan for accidents and medical insurance well. After all, accidents and illnesses don’t just occur when traveling, they also occur during normal times. After all, the normal time is the longest.

If you are unable to buy medical insurance due to physical reasons, you can choose to buy travel insurance. Travel insurance generally does not have health notices. Compared with general medical insurance, which has strict health notices, travel insurance is generally available.

If you want to buy insurance, you must buy it in advance. The earliest effective date for general insurance is 0:00 the next day after the insurance is purchased. If you buy it on the same day, you will not be able to catch up.

Of course, if you value emergency rescue, journey delays, personal liability, etc., you can also buy travel insurance, but I personally think that it is not necessary for domestic travel.

Finally, a reminder, if you are traveling abroad, you must buy travel insurance. It is absolutely necessary.

Insurance must be purchased in advance, and it will take effect the next day if purchased on the same day. You can go to the platform of a regular company to choose the one that suits you, whether it is a self-driving travel insurance or one suitable for plateaus. You have to look carefully at the insurance amount.

If you want to buy accident insurance and medical insurance, it is best to go 24 hours in advance. Buy it because the insurance takes effect at 0:00 on the same day and expires at 24:00. It is also recommended to buy it for one more day. Sometimes the return flight is delayed and it is already the next day when you get home.

When traveling, it is very necessary to have an insurance, and it is recommended to buy it in advance, mainly travel accident insurance.

Why do you say this? The main points are as follows for reference:

First of all, before departure, we usually search a lot of travel information on the Internet and formulate travel strategies. Although there are many The information is close to us, but after all, the places we travel to are unfamiliar to us and can be said to be strange. The local customs, changing environment, and accidents during the journey are all unpredictable to us. As the saying goes, "Don't be afraid of 10,000, just be afraid of the unexpected." Accidents during travel are also everywhere. A sprained foot accidentally when walking, a fall while playing, etc. These are very common accidents during travel. For severe fractures, hospital treatment may cost tens of thousands. Traveling is a happy thing, but it is really disappointing if you have to spend more money due to accidental treatment. If you have travel accident insurance, the cost of hospital treatment can be reimbursed by the insurance company. It can also reduce our economic losses to a certain extent.

Secondly, it is best to buy insurance in advance. Most of the accident insurance on the market must be purchased one day in advance. If you only think of it after you have already set off, there will be very few products to choose from and little choice. And the coverage is not comprehensive. The most important point is that it does not take effect immediately. It usually takes effect 2 hours after payment. In this way, if unfortunately an accident occurs during these 2 hours, you will have to bear it yourself.

Finally, I would like to remind those who want to travel to buy insurance in advance for themselves and their families.