Is it necessary to buy travel insurance?

With the improvement of economic level, more and more citizens go out to play. So, is travel insurance necessary? There is an unexpected risk probability when going out to play. In order to effectively transfer the risk, you need to take out a travel insurance.

It is understood that the scale of domestic tourism, inbound tourism and outbound tourism in China has increased substantially for many years, and the rapid expansion of tourism scale has increased the probability of tourism accidents. In addition to common traffic accidents, there may be personal injury, property loss, illness, loss of documents and so on. Visitors can reduce the losses caused by unexpected risks through insurance, or call the emergency number for help.

However, there are also many insured people who say that they have already insured travel agency liability insurance, and there is no need to waste money on travel insurance. Is that really the case? In fact, the coverage of travel agency liability insurance and travel insurance is not exactly the same.

Travel agency liability insurance guarantees that during the insurance period, when the travel agency organizes tourism activities, the insurance company will bear the economic compensation responsibility for personal injury or property loss of tourists. In other words, it ensures that the travel agency should bear the compensation responsibility for tourists. Only with responsibility can compensation be made, and only without responsibility can compensation be made. For example, in the past cases, the travel agency only took part of the responsibility for the accidents that occurred when tourists were free to move. Therefore, the travel agency liability insurance will only compensate the travel agency for that part of the responsibility. But tourists often think that travel agencies should bear more or all responsibilities. In this case, dispute settlement and even litigation often take up a lot of time and energy of tourists. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Travel insurance guarantees that during the whole insurance period, tourists die, are disabled or have unexpected medical expenses due to accidents within the scope of insurance responsibility. Whether the travel agency is responsible or not, the insurance company will compensate the tourists according to the contract.

Therefore, it is very important to buy travel insurance, regardless of whether you have insured travel agency liability insurance. Even if travel agency liability insurance is insured, travel insurance should be insured on this basis, which can transfer more risks reasonably and effectively and minimize tourists' own losses.

Bao Ge reminds: Is it necessary to buy travel insurance? It is necessary, because there is a high probability of accidental risk in traveling abroad, and the travel agency liability insurance insured with group tours is limited. Therefore, it is necessary to apply for travel insurance on this basis to ensure comprehensive insurance care for yourself during the trip.