Is the premium refunded if I cancel after buying insurance in Luoyang?

[Direct conclusion] Unused (pre-departure) usually fully refundable, effective ones not; some have a cooling-off. Key points to keep in mind: 1. Read cancellation rules when buying. 2. Change & refund: Unused (pre-departure) usually fully refundable, effective ones not Additional: some have a cooling-off. 3. Read cancellation rules when buying. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. 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.