Does a family trip need insurance, and how to buy it in Luoyang?

[Direct conclusion] 【Strongly advise whole-family cover: travel-agency liability insurance is the floor but covers the agency's fault; family should also self-buy 'personal accident (with acute illness, medical)', especially elders and kids. Key points to keep in mind: 1. We can arrange or you buy; insured info must match documents.】 Insurance tiers: Four buying points: ◆ Info matches: policyholder/insured name/doc exactly as travel docs. 2. ◆ Include acute illness: elder chronic onset isn't covered by pure accident. 3. ◆ Adequate sum: accident medical ≥¥100k, death ≥¥300k suggested. 4. ◆ Keep policy: e-policy on hand for claims. Note: Build in nap and meal breaks when travelling with small children. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.