What is the difference between travel insurance and accident insurance?

The difference between personal travel accident insurance and travel insurance

1. The protection contents of personal travel accident insurance and travel insurance are different. Travel insurance mainly pays for the legal liability of the travel agency due to negligence or fault. If an accident occurs to the tourist himself, it will not be covered. Personal travel accident insurance mainly compensates the insured after an accidental injury occurs during the trip. It has nothing to do with the travel agency. Regardless of whether the travel agency compensates, the insured can obtain 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. You can get compensation as long as an accident within the regulations occurs during the trip arranged by the travel agency; while personal travel accident insurance has There is an age limit, but the scope of compensation will be relatively wide. It will not be limited to accidents that occur in the itinerary arranged by the travel agency. It also includes insured accidents during self-guided travel. The insured can also receive compensation.

3. Purchase requirements are different. Travel liability insurance is an insurance that the state mandates travel agencies must underwrite, while personal travel accident insurance is something consumers decide whether to buy based on their own needs.

To sum up, personal travel accident insurance and travel insurance are mainly different in terms of protection content, restrictions and compulsory aspects. However, it needs to be reminded that travel insurance is mainly for accidents caused by the responsibility of travel agencies. Tourists are compensated for losses and injuries, so it is necessary to purchase accidental travel insurance for yourself when traveling.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance