What insurance is included in the tour price, what is the coverage, and is it enough in Luoyang?

[Direct conclusion] 【Tour prices normally include the agency's statutory liability insurance, and some products add travel accident cover. Key points to keep in mind: 1. Liability insurance protects against the agency's own liability — it is not personal protection for you.】 The fundamental difference: Four things to check when buying accident cover: ◆ Accident medical limit — Henan's classic route involves many staircases (Longmen, Laojun, Yuntai), so we suggest at least RMB 20,000. 2. ◆ Acute illness cover — critical for older travellers and excluded by many budget policies. 3. ◆ Emergency rescue and evacuation — particularly relevant in mountain areas. 4. ◆ High-risk activity exclusions — check whether glass walkways, rafting and similar activities are covered. 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.