Can purchased travel insurance be refunded in Luoyang?

[Direct conclusion] 【Most accident insurance can be refunded before 'issued / not yet effective' (small fee or full), but once effective (trip started) usually non-refundable; with medical prepay or incurred claims, never. Key points to keep in mind: 1. Exact per policy; read surrender rules before buying.】 Surrender cases: Four key actions: ◆ Read surrender clause before buying: don't wait to find non-refundable. 2. ◆ Surrender early: decide not to go, apply at once, before effective. 3. ◆ Keep policy and application records: surrender proof. 4. ◆ Separate 'tour refund' from 'insurance refund': handled apart, not substituting. Note: The earlier you raise a change, the more options you have. 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.