What does overseas travel insurance cover?

Overseas travel insurance usually includes the following kinds of protection:

1. Medical expenses: During the trip, if an accident or illness requires medical treatment, the insurance can bear the corresponding medical expenses, including outpatient service, hospitalization, surgery and other expenses.

2. Emergency medical transportation: In case of serious accident or illness, it is necessary to transfer to a more suitable medical institution for treatment, and the insurance can bear the corresponding transportation expenses.

3. Change of itinerary: Due to natural disasters, political turmoil, flight delays and other reasons, insurance can bear the corresponding additional transportation expenses and accommodation expenses.

4. Lost luggage: During the journey, if the luggage is lost, damaged or stolen, the insurance can bear the corresponding compensation.

5. Personal liability: In the course of traveling, if personal negligence causes personal injury or property loss to others, insurance can bear corresponding legal liability.

6. Emergency rescue: In case of emergency, insurance can provide 24-hour emergency rescue service, including language translation and legal aid.

7. Other protection: Depending on the specific insurance product, it may also include protection against flight delay, baggage delay and credit card theft.

It should be noted that the coverage and compensation ratio of different insurance products may be different. When purchasing overseas travel insurance, you should know the insurance clauses in detail and choose the appropriate insurance products according to your actual needs. At the same time, in the process of tourism, we should abide by local laws and regulations, pay attention to safety and reduce risks.