Why do you have to buy accident insurance when traveling?

Although travel accident insurance is not compulsory, it is insurance to protect the personal safety and property safety of tourists. It must cost tens of dollars to buy one.

1, many people ignore travel accident insurance, largely because they confuse travel liability insurance.

When we sign up for a tour group, there will always be travel agency tying insurance, which is actually travel liability insurance. Many people regard it as travel accident insurance. There is a difference between the two:

Travel liability insurance, according to the regulations of the National Tourism Administration, travel agencies must take out travel liability insurance, which means compulsory insurance. Personal accident insurance for tourists, which is the insurance purchased by tourists voluntarily. As a tourist, you can buy or not.

Travel agency liability insurance, the insured and beneficiary are travel agencies and tourists visiting personal accident insurance, and the insured and beneficiary are tourists themselves. In other words, travel agencies have no obligation to protect tourists' accidental safety and medical compensation.

If property damage or physical injury is caused by personal reasons or the responsibility of the travel agency, it is not covered by liability insurance. For example, if you are ill in a foreign country, it will be very expensive to see a doctor without local medical insurance. For example, injuries caused by high-risk sports such as skiing are not covered by travel agencies.

2. Travel accident insurance is cheap and flexible.

Travel accident insurance is generally short-term customized insurance, especially the time of insurance can be customized, which can be purchased directly during the trip, which makes the cost of this insurance very low, generally tens of pieces can be solved, and the consumption ratio during the trip can be ignored. It can be said that "you can't buy a loss, you can't buy it."

3. Travel accidents are frequent, and travel accident insurance is particularly important.

Nowadays, traveling abroad is a leisure way chosen by many people in China. This is always a happy thing. However, in recent years, tourism accidents have occurred frequently, such as traffic accidents, trampling during tourism, product failures in scenic spots and so on. From the news, we can see all kinds of shocking accidents. In the face of accidents, people are very small, and no one can guarantee that they will not meet. Travel accident insurance is a stop loss at this time.

The purpose of buying insurance is to make our personal and property safety more secure. If we encounter an accident during the trip, we will have a professional insurance company to assist us in treatment and first aid. In a strange place, we don't have to worry about spending too much and being helpless. Many insurance companies can still pay medical expenses in advance, which reduces our worries.

Generally speaking, travel insurance is not only equivalent to an accident insurance, but also has a lot of protection that accident insurance does not have, and the price is very cheap, which is very suitable for everyone to buy before going out to travel.