Is travel insurance paid for by yourself or included in the tour fee?

With the improvement of living standards and changes in lifestyles and concepts, holidays are no longer just a festival for family reunions. For travel enthusiasts, the festival is undoubtedly a good opportunity for travel enthusiasts to choose to travel, but When traveling, also wear a safety belt for your own safety. Many tourists who join a group will ask, is travel insurance paid for by themselves or is it included in the tour fee? If you are not sure, just follow the article to find out.

Is travel insurance self-paid or included in the tour fee?

There are two types of travel insurance for tour groups, one is travel agency liability insurance, and travel agency liability insurance is underwriting The insurance covers the legal liability for accidents caused by travel agencies due to negligence or fault during the organization of travel activities. The insured of this insurance is the travel agency. After purchasing insurance, if a liability accident occurs, the insurance company will compensate the injured passengers as soon as possible. This insurance is compulsory for travel agencies. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country

The other type is "travel accident insurance". Travel accident insurance refers to external, sudden, and unforeseen accidents during the travel activities arranged by the travel agency during the contract period. Accident insurance due to illness. The insurance period generally refers to the time when a tourist sets foot on the means of transportation provided by the travel agency and ends when the tourist leaves the means of transportation arranged by the travel agency at the end of the trip. Travel accident insurance is a kind of short-term insurance that covers tourists rather than travel agencies. It is a short-term compensatory insurance purchased voluntarily by tourists.

It should be noted that during the travel itinerary, tourists are responsible for all kinds of losses or damages caused by their own diseases, personal casualties and property losses caused by tourists’ personal negligence, and various resulting expenses. etc., are not within the scope of compensation of travel agency liability insurance; personal and property losses to tourists caused by force majeure, such as earthquakes, tsunamis and other natural disasters, are also not within the scope of liability.

After understanding the difference between these two travel insurances, you will know which travel agency is responsible and which is the responsibility of the tourists. In actual operation, since many tourists are unwilling to purchase travel accident insurance on their own, some travel agencies will take the initiative to purchase a travel accident insurance for tourists as a gift as a precaution. What kind of accident insurance includes accidental medical care? 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!

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Some aspects you must pay attention to when purchasing overseas travel insurance

Traveling abroad is not difficult nowadays, and with the opening of national policies, There are more and more people traveling abroad, and major insurance companies have also launched a lot of overseas travel insurance suitable for people to buy. Overseas travel insurance is aimed at the accidents faced by citizens when traveling overseas, visiting relatives and friends, and doing business abroad. 24-hour, all-weather, comprehensive emergency rescue services and insurance coverage for accident, medical, and rescue service costs jointly launched by insurance companies, medical and other risks can be basically divided into two types: personal safety and property safety.

Case analysis of purchasing travel insurance

Travel insurance is a way to provide safety protection for tourists during their journey. Every tourist should have a good understanding of this part. However, in the process of purchasing travel insurance, many tourists often have doubts about how to apply for insurance. All policyholders should pay attention to travel insurance cases. Cases are often a very appropriate way to enrich travel knowledge. I hope all tourists will pay attention to this part of the content.