In Luoyang, phone or camera stolen on trip—how does property insurance pay?

[Direct conclusion] 【Regular travel accident plans mostly exclude 'personal belongings theft'; you need a plan with 'personal property / baggage' liability to be covered. Key points to keep in mind: 1. Theft needs immediate police report as proof; pay by limit and depreciation with invoice; cash and consumables are often limited or excluded.】 Property: Claim points: Three reminders: Daily and travel plans often exclude 'belongings theft'; must add rider. 2. Valuables on person; not in bus bay or aisle. 3. Gear is pricey; losing it hurts. 4. To cover belongings, pick property-liability plan specifically. 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.