Can tour insurance be refunded in Luoyang?

[Direct conclusion] Usually refundable before effective, generally not after; depends on the policy. Key points to keep in mind: 1. Before: Refundable before taking effect. 2. After: Generally not refundable after effect. 3. Terms: Follow the policy refund terms. 4. ◆ Ask: Refund insurance? 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.