Mom traveled with a group and accidentally fell and broke her femoral neck. The medical expenses were about 1.5 million. Now the tour group is insured against accident insurance and can only reimburse

Mom traveled with a group and accidentally fell and broke her femoral neck. The medical expenses were about 1.5 million. Now the tour group is insured against accident insurance and can only reimburse medical expenses. Tourists accidentally fall, which belongs to the category of travel accident insurance protection.

Generally, regular travel agencies will insure accident insurance for tourists. You can also look at the contract with the travel agency. The standard contract will have an accident insurance clause, indicating the type of purchase and the amount of insurance. If you take out accident insurance, the insurance procedure is that these insurance companies will pay for medical expenses.

If the travel agency tells you that accident insurance is not included, and you don't want to pay for it at that time, you have to bear it yourself, unless you can prove that the fall is the responsibility of the travel agency.

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