Tell you how to buy travel accident insurance in three minutes

If you are going on a long-distance trip recently, especially if you plan to travel abroad, it is best to purchase a travel accident insurance for yourself before traveling. This makes traveling more secure, improves safety during travel, and makes you have more fun. What kind of accident insurance includes accidental medical treatment? Which one offers more protection? Which one is more worth buying? Let’s take a look at some good accident insurance recommendations? The top 20 best-selling premium accident insurance products in 2020!

How to buy a suitable travel accident insurance to better protect yourself. When choosing travel accident insurance, you must pay attention to the following points.

1. Travel agency’s liability insurance and travel accidents

Many consumers have many misunderstandings about travel accident insurance. Many people mistakenly believe that after the tour group purchases the travel agency’s liability insurance, You can ensure your own safety and avoid unexpected risks during travel, but in fact this is not the case. In fact, the travel agency's liability insurance can only compensate tourists for losses caused by the travel agency's fault. If it cannot be proved, you cannot get compensation from the travel agency; travel accident insurance not only provides protection for accidental injuries, accidental medical treatment and accidental disability caused during travel, but also provides protection for all risks during the travel process, such as: personal money and documentation, emergency medical evacuation, travel changes, personal liability, etc. (The specific protection items shall be subject to the insurance contract)

2. Understand the scope of insurance coverage before purchasing.

Travel accident insurance does not cover all accidents. Generally speaking, travel accident insurance does not provide protection for high-risk sports such as horse racing, rock climbing, diving, and surfing. If you are involved in these high-risk items, you can purchase corresponding insurance separately. Therefore, before purchasing travel accident insurance, you must first understand what situations are covered and what situations are not.

3. Pay attention to the insurance amount.

The higher the insurance amount, the better. Buying more than the maximum insurance amount will be a waste of money. Therefore, when purchasing, it is best to determine based on the number of travel days and the consumption level of the destination. Generally speaking, the accident insurance amount should not be less than 200,000 yuan, and the accident medical insurance amount should not be less than 50,000 yuan.

Based on the above content, when everyone is preparing to travel, you should consider purchasing a travel accident insurance before traveling, so that you can have peace of mind and have fun. When purchasing, you must remember to follow your needs and you will not go wrong.