Do I need to buy extra insurance beyond the group tour?

[Direct conclusion] The fee includes liability; personal accident cover is recommended; add special plans for special needs. Key points to keep in mind: 1. Liability included: Agency liability is in the fee. 2. Add personal: Personal accident cover recommended. 3. Special: High-risk activities can add special cover. 4. ◆ Ask: Whether to add? 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.