Short-distance travel insurance

Going out for a short trip on holidays, many people think that the travel time is short and there is no need to buy insurance at all. However, professionals remind that it is very necessary to equip a short-distance travel accident insurance for the peace of mind and happiness of the journey, and whether it is a self-help tour or a group tour, buying a short-distance travel accident insurance needs to be selected according to actual needs. What are the accident insurances with accidental medical treatment? Which one has more protection? Which one is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!

Don't forget to buy accident insurance for short-distance travel.

Traveling abroad, the general travel society buys travel agency liability insurance for tourists, but its underwriting responsibility is: the losses caused to tourists' personal and property in the tourism business activities, that is to say, this kind of insurance only covers the responsibility of travel agencies, and the accidents of tourists outside the scope of activities arranged by travel agencies are not covered. For example, if there is an accident on the way to a travel agency, or if there is an accident when you leave a specified tourist spot or travel route without authorization, the policy will not pay. Therefore, people need to buy more comprehensive travel accident insurance.

Professionals suggest that if you choose a short trip, whether it's a group tour or go on road trip, you'd better buy some short-distance travel accident insurance at your own expense, because the insurance coverage is wide, the insurance coverage is simple and the insurance premium is not expensive. Spending a little money on short-distance travel accident insurance can provide peace of mind for the whole trip. In the event of an unfortunate accident, whether it is within the responsibility of the travel agency or not, you can get high compensation from the insurance company. Which insurance company is stronger? I just sorted out the relevant contents, hoping to help you: the latest list! Top ten insurance companies in China

It is reported that at present, many insurance companies have launched special short-distance travel insurance products, with simple and convenient insurance methods and comprehensive protection. After buying insurance, tourists should remember the telephone number of the insurance company. In case of danger, it will help them get the insurance company's claim guidance at the first time.

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Q: My wife and I plan to travel to Europe with a tour group next month. The tour group has already taken out insurance. I wonder if we should take out other insurance and how?

A: As the saying goes, riding a horse on a boat is a three-point risk, and traveling with a group also has certain risks. Although the travel agency has insured the travel agency liability insurance, this insurance can only cover the responsibility that the travel agency should bear for the loss of tourists due to the negligence or fault of the travel agency, but it cannot provide protection for the safety of tourists themselves. Therefore, traveling with a group needs to purchase a suitable travel insurance separately. Then, how to buy insurance for group travel?

Personal accident insurance is preferred.

Traveling with a group will also face many unexpected risks. For example, natural disasters may occur in the process of tourism; During the journey, there may be the risk of accidental injury on the means of transportation; Accidents at tourist attractions; Personal injury will also occur during accommodation. People in the industry suggest that tourists traveling with a group should buy a copy of personal accident insurance before traveling.

According to the relevant regulations of the state, regular travel agencies must take out travel agency liability insurance, and tourists can enjoy the rights and interests of this insurance once they participate in tourism activities organized by travel agencies. But in fact, travel agency liability insurance is a "safety belt" for itself, which only covers the losses of tourists caused by the travel agency's own fault. Travel agencies and insurance companies are not responsible for compensation for losses caused by various external accidents, such as natural disasters. In addition, the travel agency is not responsible for the accidents that tourists have during their free time. Therefore, it is particularly important to buy personal accident insurance. For personal accident insurance, the travel agency only recommends it to tourists, and it is not mandatory to buy it.

Pursue the greatest guarantee

At present, there are many personal accident insurance products available in the market. "When you apply for insurance, you must see clearly the insurance liability of each insurance." Experts said. Because some products only protect accidental death, while others also include accidental disability and accidental medical treatment. He suggested that friends who are going to travel had better buy products containing accidental disability and accidental medical treatment, so as to get greater protection.

If tourists don't go out often, they can choose short-term insurance products; If you often go out, you can buy one-year accident insurance products, thus avoiding the trouble of buying in installments; If it is a short trip, consumers can buy accident insurance for short trips, which includes travel accident insurance and travel rescue insurance. The insurance amount is 150,000 yuan and 50,000 yuan respectively, while the premium paid by tourists is only 5-day 20 yuan and 10-day 30 yuan.

Pay attention to underwriting entertainment projects

It is necessary to remind tourists that in the coverage of many personal accident insurance products, personal injury or property loss caused by high-risk activities such as rock climbing, rafting, diving, skiing, bungee jumping and surfing are excluded, so tourists should choose products including these items when purchasing, so as to obtain the greatest protection.

Choose a formal insurance platform

At present, there are many travel insurance products on the market, and the protection responsibilities are different. Insurers need to choose a formal insurance platform when selecting.

Extended reading: [Insurance] How to buy, which is good, and teach you how to avoid these "pits" of insurance.