Can I buy Luoyang tour insurance twice?

[Direct conclusion] You can buy twice, but expense-based coverage like accident medical is paid by actual loss without double payment, while benefit-based death and disability can stack, so one suitable policy is usually enough. Key points to keep in mind: 1. Learn the expense and benefit type difference. 2. Expense-based medical does not double pay. 3. Benefit-based death and disability can stack. 4. Buy one policy with a suitable limit. Note: Report the incident right away and keep every receipt and medical record. 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.