What common traps are in travel insurance exclusion clauses in Luoyang?

[Direct conclusion] 【Common exclusions: pre-existing conditions and complications, DUI/illegal acts, high-risk sports (without add-on), war/nuclear/terror, some infectious diseases, valuables loss, delay without proof; read each clause before buying, don't trust 'all-included'verbal promises.】 Frequent: Exclusions are the dispute hotspot; confirm each. Key points to keep in mind: 1. | Item | Often excluded | |---|---| | Pre-existing | yes | | High-risk sport | need add-on | | Valuables loss | yes | | Delay no proof | yes | ◆ Tip: get written clauses not oral; add cover for high-risk; askcustomer service when odd. 2. For unclear exclusions call to go through line by line. 3. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. 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.