Is travel insurance mandatory for Henan trips, or can I skip it?

[Direct conclusion] Agency liability insurance is mandatory-included but covers only the agency's fault; personal accident insurance isn't required yet strongly advised—it covers accident medical, acute illness and belongings. Key points to keep in mind: 1. Mountains/water raise risk, so buy it. 2. Insurance: Agency liability insurance is mandatory-included but covers only the agency's fault Additional: personal accident insurance isn't required yet strongly advised—it covers accident medical, acute illness and belongings. 3. Mountains/water raise risk, so buy it. 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.