Is it the same to sign up for travel society and buy liability insurance for group tours?

Travel agencies buy liability insurance when traveling with a group. Is travel agency liability insurance the same as travel accident insurance? Insurance is the most favorable guarantee for travel agencies to reduce risks, and it is also the guarantee for guests to travel with peace of mind. If the risk can be effectively transferred, not only can the guests be more determined, but they can also cope with accidents calmly. Therefore, guests need to buy insurance for themselves before traveling. Especially when doing overseas travel and risky tourism products, they need insurance and peace of mind.

Many people think that travel agencies are insured by travel agency liability insurance, and there is no need to insure travel accident insurance. In this regard, Mr. Feng pointed out that tourists think that as long as the travel agency has insured the travel agency liability insurance, they can claim compensation from the insurance company if there is any problem, but this is not the case. They met an accident during their trip, and the travel agency only took part of the responsibility. Because consumers can't distinguish between the two kinds of insurance, many disputes have also occurred.

At present, the insurance mentioned by many travel agencies is actually travel agency liability insurance, and the beneficiary is the travel agency. Insurance is a travel risk caused by travel agencies, not for travelers. Tourists suffer personal and property damage in tourism activities. If the damage result is caused by the fault of the travel agency, the traveler can get compensation, but the damage result of the traveler is not the fault of the travel agency, such as the damage caused by free activities or the damage caused by force majeure, and the traveler has no compensation.

The danger of travel accidents is that travel agencies recommend tourists to buy them. Travel agencies can only introduce tourists to the dangers of tourist accidents and cannot force tourists to buy them. The insured and beneficiary of travel accident insurance are tourists, and the travel agency only handles the insurance formalities on behalf of tourists. In the event of an accident, the rights and interests of tourists will be guaranteed. There are several confusing places between travel agency liability insurance and travel accident insurance, which need attention.

I think the travel insurance sent by the travel agency includes unexpected risks. Travel accident insurance is life insurance, voluntary, whether to insure or not, tourists should customize. Travel agencies purchase liability insurance from travel agencies authorized by the state.