Can I cancel the Luoyang tour insurance?

[Direct conclusion] Self-bought travel accident insurance can usually be cancelled before it takes effect, while tour-included basic insurance is generally not refundable, per the policy and channel; ask the insurer before cancelling. Key points to keep in mind: 1. Confirm whether it is self-bought or tour-included. 2. Check the cancellation rules for self-bought. 3. Contact the insurer to cancel before it takes effect. 4. Confirm the refund amount and time. Note: Read the coverage and the exclusions before purchasing. 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.