Does the tour group booked by Ctrip online include travel agency liability insurance?

Travel agency liability insurance is not equal to travel accident insurance

1 The insurance mentioned by many travel agencies now actually refers to "travel agency liability insurance". The beneficiary is the travel agency, which covers the travel risks caused by the travel agency, not specifically for tourists. Once a tourist suffers personal or property damage in tourism activities, if the damage result is caused by the fault of the travel agency, then the tourist can get compensation; However, if the tourist's damage result is not caused by the fault of the travel agency, such as the damage in the free activities or the damage caused by force majeure, then the tourist has no compensation, because the tourist's damage result is not caused by the fault of the travel agency.

Travel accident insurance is recommended by travel agencies to tourists. Travel agencies can only introduce travel accident insurance to tourists, but can't force tourists to buy it. The insured and beneficiary of "Travel Accident Insurance" are tourists, and the travel agency only handles the insurance formalities for tourists. In the event of an accident, the rights and interests of tourists will be guaranteed.

Generally, you only include a travel liability insurance when you book it!