Is the travel to Hong Kong and Macao organized by insurance companies reliable?

A friend in an insurance company told me that the tours organized by insurance companies are generally to protect customers, the quality will not be very high, and the shopping nature will be stronger. If you really want to travel, there are many good travel agencies on the 80-day travel network, and you can apply for Hong Kong and Macao passes and visas.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.