Insurance companies offer customers a free trip to Hong Kong and Macao, saying they don't have to buy anything. Can you travel without shopping? Is it reliable?

You can answer one or two questions. It's hard to say if there are any questions. It depends on the moral problems of insurance companies and docking travel agencies and whether they are well arranged. General insurance companies don't cheat customers, you can trust them. After all, travel insurance travel agencies need to buy from insurance companies, and travel agencies are willing to cooperate, because insurance companies have customer information, and salesmen can also earn extra money to introduce tourists, which is mutually beneficial.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.