How to buy insurance for a Luoyang tour cost-effectively?

[Direct conclusion] Group tours usually include agency liability insurance, and adding a personal travel accident policy for medical and belongings gives fuller, cost-effective coverage. Key points to keep in mind: 1. Confirm the liability insurance already included in the fee. 2. Choose a suitable accident policy by trip length and activities. 3. Check coverage, deductible and payout scope before buying. 4. Save the policy info and keep it handy during the trip. Note: Travel insurance is a supplement, not a substitute for a health check. 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.