On a group tour to Hangu Pass, does the agency buy insurance, and should I add my own?

[Direct conclusion] A licensed agency includes basic travel accident cover, but limits are modest; adding your own travel policy with evacuation and cancellation stacks fuller protection. Key points to keep in mind: 1. We build a plan, no overlap, no gap. 2. Basic: Basic accident cover is standard, by policy; not full protection. 3. Add: Add travel cover for cancel and transfer, good value. 4. Overlap: Double cover does not double-pay; we sort it, no waste. 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.