Is it necessary to buy insurance for group tours?

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Tourism and group tours must have travel agency liability insurance, but its scope of compensation is only the personal injury and property damage of tourists caused by the travel agency's fault, and it will also cover high-risk tourism projects such as horse racing, rock climbing, rafting, and surfing. Exception, and the fault of the travel agency is very limited in actual situations. If a tourist slips and gets injured while playing in a scenic spot because there are no warning signs in the dangerous zone, it is not the fault of the travel agency, but the "fault of the scenic spot"; hotels, trains, airplanes Accidents that occur on the tour are not covered by travel agency liability insurance as long as the tour guide is not directly responsible.

Travel requires individuals to purchase accident insurance. Before participating in risky rides or visiting scenic spots, find out whether the ticket contains a certain amount of accident insurance fees. The cost of personal accident insurance is divided into several levels according to the length of the trip: 3 yuan for a one-day trip; 5 yuan for a 2-4 day trip; 7 yuan for a 5-7 day trip; 10 yuan for a 7-10 day trip, and each additional day for a 10-day trip or more Increased by 1 yuan. Premiums range from 10,000 to 500,000 yuan. Overseas self-service travel insurance can be purchased starting from RMB 50 to enjoy 24-hour emergency support with an insured amount of more than RMB 2 million.

As long as it is convenient for tourists, it is best to purchase personal accident insurance separately. A few dollars can cover huge unexpected losses.