Can individuals buy travel insurance?

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

The difference between personal travel accident insurance and travel insurance

1. Personal travel accident insurance and travel insurance have different protection contents. Travel insurance is mainly to pay for the legal compensation liability that travel agencies need to bear due to negligence or negligence. If the tourists have their own accidents, they are not covered. Personal travel accident insurance is mainly to compensate the insured after an accidental injury accident occurs during the travel process, and has nothing to do with the travel agency. Whether the travel agency compensates or not, the insured can get compensation from the insurance company.

2. The restrictions are different. Travel insurance mainly includes two types of insurance: travel liability insurance and travel accident insurance. There is no age limit for travel accident insurance. As long as an accident occurs within the time limit specified in the itinerary arranged by the travel agency, you can get compensation. Personal travel accident insurance is age-limited, but the scope of compensation will be wider, not only the accidents specified in the itinerary arranged by the travel agency, but also the insurance accidents in the self-help tour, and the insured can also get compensation.

3. The compulsory nature of purchase is different. Travel liability insurance is compulsory for travel agencies, while personal travel accident insurance is for consumers to decide whether to buy according to their own needs.

To sum up, personal travel accident insurance and travel insurance are mainly different in terms of protection content, restrictions and compulsion, but it needs to be reminded that travel insurance mainly compensates tourists for losses and injuries caused by travel agencies, so it is necessary to buy an accidental travel insurance for yourself when traveling.