What is the difference between travel agency liability insurance and travel accident insurance? Do you still need to buy travel insurance when traveling with a group?

Ahua, who just graduated from junior high school this year, made an appointment with several classmates to join a tour group in Zhangjiajie. Before leaving, the travel agency purchased travel agency liability insurance for them. During the short journey of a few days, Iowa accidentally slipped while climbing the mountain, causing a sprained right foot, and was treated in the local clinic. After returning from the trip, Ahua's mother made a claim with the medical invoice to the insurance company, but the insurance company refused to make a claim because she only bought the travel agency liability insurance. Iowa's mother was suspicious of this and called the hotline of this column for consultation.

Insurance company: According to the insurance company, Ahua only bought travel agency liability insurance, not travel accident insurance, and Ahua's injury was caused by his slip and careless fall, not the negligence of the travel agency, so the insurance company did not need to pay compensation. Expert advice: 1. You should not confuse "travel agency liability insurance" with "travel accident insurance". Judging from Iowa's situation, the insurance company doesn't need to pay for him. As Iowa said, he only insured travel agency liability insurance, not travel accident insurance. Obviously, Iowa and his mother have confused the concepts of these two kinds of insurance, and they regard travel agency liability insurance as travel accident insurance. Travel agency liability insurance is a kind of statutory compulsory insurance, which is the responsibility that the travel agency should bear for the personal and property damage of tourists caused by the travel agency's business activities, and bear the responsibility of compensation insurance. Its main body is the travel agency itself, which protects the travel agency rather than the passengers. Travel accident insurance refers to an insurance in which the insured is killed or disabled due to an accident during the insurance period, and the insurer pays the insurance money according to the contract. This insurance is generally recommended by travel agencies and purchased by tourists themselves. This type of insurance protects passengers rather than travel agencies. Ahua is also unable to get compensation for confusing these two concepts. Therefore, we must recognize the difference between them before traveling, and we must never blindly think that buying liability insurance by a travel agency is equivalent to buying personal accident insurance. 2. Whether it is a short trip or a trip abroad, it is best to buy accident insurance. Although many people understand the role of buying travel accident insurance, many times they have insufficient awareness of buying insurance for short-term travel. In fact, the probability of accidents is similar between short-term travel and overseas travel. You must never have a sense of paralysis and mistakenly think that short-term travel is not risky and give up buying accident insurance. 3. Buy appropriate accident insurance. At present, there are many kinds of travel accident insurance in the market, including medical expenses, personal accidents, accidental double indemnity, emergency medical transportation, repatriation expenses, personal luggage, luggage delay, trip cancellation, trip shortening, personal money and documents, personal liability, etc., which should be purchased according to their own needs, and different insurance companies have different regulations on each insurance item and insurance amount, so they need to know clearly before purchasing. In addition, at present, rock climbing, cross-country and alpine skiing are listed as exclusions in most travel accident insurance. If passengers involved in such projects need to read the exemption clauses or buy other types of insurance covering such projects. 4. Choose the insurance period of accident insurance. Tourists can choose the insurance period according to the number of days they travel, such as long-term insurance of more than 7 days, and can choose the period of 8-1 days, 11-14 days or longer. In the choice of short-term travel insurance products, the insurance period should be equal to or longer than the travel period. In general, the insurance period starts from : the day before travel or a few hours before travel.

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