Is trip cancellation insurance worth it? When does it pay in Luoyang?

[Direct conclusion] 【Cancellation plan suits those who 'might not go pre-departure due to force majeure / sudden change' (e.g., unstable elder health, shaky work). Key points to keep in mind: 1. It covers 'paid non-refundable cost'; triggers are usually illness, accident, disaster, official control; merely not wanting to go doesn't pay.】 Pays when: Practical tips: Three reminders: Premium ~3–8% of tour; estimate by non-refund loss. 2. Needs hospital/official proof; verbal 'won't go' invalid. 3. Cancellation is a 'peace-of-mind fee'. 4. | Case | Pays | |---|---| | Sudden illness/accident | yes | | Disaster/control | yes | | Work change | by clause | | Just don't want | no | - Elders/weak travelers: cancellation plan is high value. 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.