If the trip is cancelled and I don't go after buying insurance, can the insurance be refunded in Luoyang?

[Direct conclusion] 【It depends: if the policy hasn't 'taken effect' (usually effective at 00:00 on departure day; cancelling before departure is generally refundable, maybe minus a small fee); if it includes 'trip cancellation' cover and the cancel falls under clauses (e.g. Key points to keep in mind: 1. illness, force majeure), it pays your non-refundable paid costs per terms; if it's purely your personal change of mind, standard accident neither refunds nor pays. 2. Check the 'cooling-off' and 'cancellation' clauses before ordering.】 Three cases: Four actions: ◆ See effect date: cancel before 00:00 departure safest. 3. ◆ Ask cooling-off: short-term rarely, long-term yes. 4. ◆ Add cancel cover: if worried about changes, buy cancel-incl. 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.