China Travel Insurance
More and more families choose to travel China during their vacations. Although visiting new places is rewarding and exciting, sometimes unexpected contingencies occur that put a damper on your visit. Thus, to minimize unplanned damage and loss, travel insurance offers a safeguard, providing immediate help as well as reimbursement or payment for mishaps that may occur during your visit.
In China, most tour operators offer their clients Travel Agencies' Liability Insurance. Each insurance company must carry this coverage, however, only the issue caused by the agencies may be compensated, since the beneficiary (insured) is the agency.
Travel Agencies' Liability Insurance
Issued by National Tourism Administration of China (CNTA) on May 15, 2001, the Travel Agencies' Liability Insurance law was officially enacted on September 1st that year. Under this statute, every Chinese travel agency must provide their clients this insurance to guarantee the legitimate rights and interests of both the agency and its clients.
The Insurance Coverage
'Accidents' listed below which are caused by the travel agency may be compensated:
- Visitors' casualty (injury or death)
- Related expenses for medical treatment and related transportation fee
- Expenses related to the visitors' death and repatriating the body
- Expenses that occur when the necessary aid has been provided to visitors, including the transportation fee, dining and lodging costs of relatives visiting; payment for the staff of the travel agency and doctors; fees for postponing the tourists itineraries
- Loss, damage, and theft of visitors' belongings
- Legal costs incurred disputing the fault of travel agency
- Other compensation agreed upon between the travel agency and the insurance company
Please note that this insurance only lasts for one year and the maximum amount of reimbursement for inbound visit from abroad is CNY160, 000 per person.
Since the Travel Agencies' Liability Insurance will not cover any expenses related to accidents outside of the control of the agency, it is highly recommended that the visitor buy personal insurance in his or her home country prior to departure.China Travel Insurance FAQs
Is travel insurance necessary?
Answer: Yes. We strongly recommend that our clients purchase travel insurance before departure on a tour to guard against unforeseen circumstances.
Most travel insurance companies offer Trip Cost Cancellation and Interruption Insurance, emergency medical transport and medical expenses insurance. These policies pay for loss due to unforeseen circumstances such as death, injury and illness. Travel policies also cover you for a variety of other risks, such as cancellation charges, loss of money, loss of baggage, and liability to third parties, to name a few. Although we do everything possible to ensure client security, if a mishap occurs, it can be very costly to you. By purchasing travel insurance you can relax, knowing that you can deal with problems that may arise. In addition, an annual travel policy may save you money if you plan to go abroad more than once in any twelve-month period.
What kind of insurance can you offer us if we book a tour with you?
Answer: The insurance we offer our clients is called Travel Agencies' Liability Insurance, regulated by the China National Tourism Administration. Under this plan client will receive compensation for personal or property losses, injury, or damage incurred during the guided tour. However, it does not cover mishaps or physical problems occurring outside the guided tour period or caused by clients themselves.
Is it enough for a visitor to buy only Travel Agencies' Liability Insurance?
Answer: Travel Agencies' Liability Insurance covers only accidents occurring during the activities arranged by a travel agency, so it is recommended that you purchase personal insurance in your home country before departure. We recommend that all visitors to China purchase travel insurance sufficient to cover medical needs and trip curtailment beyond the coverage of the Agency policy.
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