What situations does tour insurance not cover in Luoyang?

[Direct conclusion] Drunkenness, intentional acts, uninsured high-risk activities and pre-existing conditions are usually excluded; read terms first. Key points to keep in mind: 1. Drunk: Accidents from drunkenness are excluded. 2. Intentional: Intentional acts are excluded. 3. High-risk: Uninsured high-risk activities excluded. 4. ◆ Ask: Exclusions? 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.