In Luoyang, skiing, climbing, rafting—high-risk activities, how is insurance handled?

[Direct conclusion] 【Ordinary travel insurance lists skiing/climbing/rafting as 'high-risk', default excluded or capped; to cover, buy a plan 'including high-risk sports' or add it, usually requiring licensed venue + certified coach—backcountry skiing/climbing not covered.】 Rules: High-risk needs specific add-on; rogue routes doubly not covered. Key points to keep in mind: 1. | Item | Basic | Add-on | |---|---|---| | Ski (resort) | mostly no | yes | | Climb (formal) | mostly no | yes | | Rafting | mostly no | yes | | Backcountry | no | no | ◆ Tip: confirm cover before playing; use licensed venues. 2. To add cover call . 3. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. 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.