If my camera or lens breaks at Xiaolangdi Dam, does insurance pay?

[Direct conclusion] Basic accident plans often exclude belongings; a travel policy with "personal property / camera" cover is needed to pay; if damaged in our custody or by our vehicle it is our liability. Key points to keep in mind: 1. Keep gear separate and insured. 2. Cover: Camera pay needs property/camera cover in travel policy, read terms. 3. Liability: Loss in our custody or by our vehicle is our liability, we pay. 4. Prevent: Body and lens separate, worn on you, watch in crowds. 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.