Do I need travel accident insurance before departure, and how to buy it?

[Direct conclusion] Recommended, a few dozen yuan covers accident medical and rescue; book via the agency or buy online yourself. Key points to keep in mind: 1. Need: Travel has transport, slip and sudden-illness risks, insurance eases worry. 2. Cover: Medical usually 50k-200k yuan, add special cover for high-risk activities. 3. Buy: Make it effective before departure, check exclusions and rescue numbers. 4. ◆ Agency: Group tours can add it via the agency; call for options. Note: Double check the meeting time and meeting point one day before the trip. 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.