Do I need to buy insurance myself for a Luoyang tour?

[Direct conclusion] Group tours already include agency liability insurance, and it is advised to add a personal travel accident policy covering medical and belongings, as the two complement each other for peace of mind. Key points to keep in mind: 1. Confirm the liability insurance included in the fee. 2. Assess your risks and decide on an accident policy. 3. Choose a suitable accident product and buy it. 4. Save the policy and keep it handy. 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.