Beware of the trap of "travel insurance"

The citizens who are going to travel have found that many travel agencies have put up the signboard of "travel insurance". Whether you really send insurance or not, you should read the contract carefully. Sending insurance may be just a gimmick. The insurance sent here is often travel agency liability insurance, and the beneficiaries are travel agencies rather than tourists.

Ms. Li, a citizen of Jinan, saw the propaganda of a travel agency that "all routes are insured" and happily signed up. When signing the travel contract, the travel agency did not show the insurance contract. Under Ms. Li's questioning, the staff of the travel agency said that they had insured the travel agency liability insurance, and this insurance was given.

Ms. Li, who doesn't have much insurance knowledge, called this newspaper and asked if the travel agency liability insurance was for tourists. The reporter interviewed the relevant experts of the provincial insurance industry association. According to reports, according to the regulations of the National Tourism Administration, all travel agencies must take out travel agency liability insurance, and the insurance company will pay for the losses caused by the travel agency itself, and the beneficiary is the travel agency. In this case, whether tourists can get compensation depends on the "face" of the travel agency. In addition, in the process of traveling, if tourists have personal injury accidents due to their own reasons, travel agency liability insurance will not pay, so tourists must take out travel accident insurance to become direct beneficiaries.

people in the industry remind the public that the phrase "travel insurance" in some travel agencies can easily make tourists mistakenly think that they have received travel accident insurance, but once they are injured, sick or lose their documents during the trip, there is no protection. When signing a travel contract with a travel agency, citizens must know clearly what kind of insurance they are sending. Insurance other than travel agency liability insurance, such as personal accident insurance and accident medical insurance, is genuine.