If my luggage or camera is lost at Yuntai Mountain, does insurance pay?

[Direct conclusion] Lost belongings depend on the policy: most accident plans exclude property theft, so a separate travel property policy is needed to pay; if within the agency responsibility (e.g. Key points to keep in mind: 1. lost while in our custody) we handle by liability. 2. Keep valuables on you and split them. 3. Cover: Basic accident plans often exclude belongings; to cover camera and luggage buy a travel policy with property cover, read terms first. 4. Liability: Loss in our custody or by our vehicle is agency liability; we pay by responsibility or help claim from the carrier. 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.