Do I need to buy travel insurance if I already have other insurances in Luoyang?

[Direct conclusion] It depends on the coverage of your existing insurance. Key points to keep in mind: 1. Ordinary accident insurance may not necessarily cover travel specific risks (such as emergency medical transfer, travel delay, lost luggage, overseas rescue, etc.). 2. Commercial medical insurance may have regional/hospital restrictions. 3. It is recommended to compare the terms or consult our customer service. 4. Usually, travel insurance is necessary as a supplement (cheap and to fill in the gaps). Note: Travel insurance is a supplement, not a substitute for a health check. 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.