If an accident cancels my Laojun Mountain trip, does insurance pay?

[Direct conclusion] Policies with "trip cancellation/interruption" cover prepaid non-refundable loss; basic accident plans often exclude it. Key points to keep in mind: 1. We suggest adding cancel-cover travel insurance before departure and keeping contract and receipts for claims. 2. Cover: Need cancel cover in the travel policy; basic accident plan does not pay. 3. Proof: Contract, payment, cancel notice triad for smooth claim. 4. Tip: Buy before travel, cancel after onset; no last-minute patch. 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.