Do I need to buy personal accident insurance when traveling with a group?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! Traveling with a group is a good choice for citizens who are not familiar with the route or want to save trouble, but there will inevitably be hidden dangers during the journey. Therefore, it is necessary to buy personal accident insurance with group tours.

Matters needing attention in group tour

1. Make travel plans in advance. During the peak season, many tourists have high prices and poor quality monitoring. The off-season travel time is flexible and the price is favorable, but it is not easy to form a group. If you choose to travel in the peak season, you should make a travel plan as soon as possible, and it is best to register one month in advance. It is difficult to guarantee the quality of tourism by joining a tour group temporarily during the peak season.

2. To choose a suitable travel agency, you must first choose a legal travel agency to join the group. When choosing a travel agency, don't go the wrong way, just ask for a low price. There are many factors that affect the price level, mainly including the mode of transportation (plane, car, ship, etc.). ), the level of the hotel, the standard of the food and the itinerary are different.

Be prepared before going out, know the climate and local temperature, and decide the clothes to take. When traveling abroad, you should also prepare slippers, toiletries, electrical plugs and other items. The plug should be universal, because the sockets in different countries are different, otherwise it will delay the use of your camera and other electrical appliances. When traveling, you must also prepare some commonly used drugs to prevent accidents.

4. The procedures for signing up for the tour group are complete. ① Come to the business department or registration point of the relevant travel agency with valid documents; ② Choose the itinerary that suits you; ③ Have a clear understanding of the items included in the tour fee; ④ Sign a travel contract with a travel agency; ⑤ Pay the tour fee and ask for the invoice, travel itinerary, instructions for joining the tour, compensation rules, etc. ⑥ Understand other matters related to the trip: such as departure time, place, names of accompanying personnel, contact information, etc.

Group travel needs personal accident insurance.

For tourists who take part in tour groups, many travel agencies have unified insurance. When signing a contract with a travel agency, tourists should pay attention to what insurance the travel agency has insured. Travel agency liability insurance is a kind of insurance that covers the legal responsibility that travel agencies should bear for accidents caused by negligence and negligence in the process of organizing tourism activities. The insured of this insurance is a travel agency. After insurance, in the event of a liability accident, the insurance company will compensate the injured passengers.

However, this insurance can only solve the loss caused by the fault of the travel agency. If it is not the loss caused by the fault of the travel agency, it still needs personal accident insurance to bear it. If the travel agency has uniformly insured personal accident insurance for tourists, it is necessary to pay attention to the specific amount of insurance.

There are many personal accident insurance products on the market at present. When you apply for insurance, you must see clearly the insurance liability of each insurance. Because some products only protect accidental death, and some also include accidental disability and accidental medical treatment. An insurance expert from Bao Hui. It is suggested that friends who are going to travel should buy products including accidental disability and accidental medical treatment, so as to get greater protection. It is essential to apply for group travel insurance. Group travel insurance, generally choose online insurance. There are many package travel insurance products on the Internet. You can choose a package travel insurance product that suits you according to your needs.