Is insurance charged separately on a Luoyang tour?

[Direct conclusion] Agency liability insurance is included in the fee, not extra; some routes also include basic accident insurance, while self-bought higher-limit policies cost extra, so ask about insurance at booking. Key points to keep in mind: 1. Confirm the liability insurance in the fee. 2. Learn whether basic accident insurance is included. 3. Buy higher limits at your cost if needed. 4. Confirm coverage before signing. Note: Read the cancellation clause carefully before signing. 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.