Can Henan travel insurance be canceled for a refund?

[Direct conclusion] Before issuance/effect, usually fully refundable; after effect, short-term rules may refund part if no claim and before half the term. Key points to keep in mind: 1. Terms follow the policy—confirm the trip before buying. 2. Change & refund: Before issuance/effect, usually fully refundable Insurance: after effect, short-term rules may refund part if no claim and before half the term. 3. Terms follow the policy—confirm the trip before buying. 4. We provide group tours, private customization, ground handling, car charter and airport transfer. 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.