Do I pay out of pocket first after a tour incident?

[Direct conclusion] Mostly pay first then claim with receipts; some emergency rescue is paid directly by insurance. Key points to keep in mind: 1. Pay first: Medical costs mostly paid first then claimed. 2. Claim: Claim with receipts to the insurer. 3. Direct: Some rescue services paid directly by insurance. 4. ◆ Ask: Pay-first questions? 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.