As a travel agency, should the passenger buy personal accident insurance by himself or by the travel agency?

In short-term travel insurance, the coverage of travel agency liability insurance is the personal or property losses of tourists caused by the travel agency’s responsibility. Once the tourists cause personal or property losses due to the travel agency’s responsibility, the insurance company will represent Travel agencies compensate tourists for personal injury or property damage. However, when engaging in some higher-risk tourism activities, or when tourists become ill while traveling, the cost of outpatient treatment and hospitalization will not be guaranteed. In addition, some valuables and cash are not covered by the insurance if they are damaged or lost. For example, if you file a claim with a travel agency due to theft while traveling, the travel agency will not be responsible for this. Travel personal accident insurance belongs to the scope of commercial short-term accident insurance and is purchased voluntarily by tourists. The insurance period is usually a few days. The premium is not high but the coverage is large.

Generally when I travel, in addition to the travel liability insurance purchased by the travel agency, I also purchase travel insurance from Ping An Insurance Company. Its safety protection items are relatively complete, including accidental injuries. Travel accident insurance covers 7 major protections, including medical care, emergency rescue, luggage documents and high-risk sports. The coverage amount and insurance period can be selected according to the actual situation of the passenger. In addition, you can also enjoy a 40% discount when purchasing insurance online on Ping An.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance