What types of outdoor travel insurance are there? Here’s a brief introduction. The main types of outdoor travel insurance include: Traveler's Accident Insurance, Travel Personal Accident Insurance, Accommodation Traveler's Personal Insurance, Travel Rescue Insurance, and Travel Assistance Insurance. The first three are considered basic coverage.
1. Traveler's Accident Insurance: When traveling, taking vehicles or boats is inevitable. Better safe than sorry—getting insurance is like buckling up a safety belt. Compulsory traveler's accident insurance premiums are already included in the ticket price. In effect, you are insured as soon as you purchase a bus or boat ticket. The premium is calculated at 5% of the ticket price, and each policy provides coverage of 20,000 yuan. The insurance period begins when you check in at the station or board the vehicle/boat, and ends when you check out or disembark. If an accident occurs during the valid period resulting in the death, disability, or loss of bodily function of the traveler, the insurance company will pay medical expenses as required, as well as insurance compensation to the injured party or the family of the deceased.
Tickets for flights, trains, and attractions mostly include insurance, which means they can serve as proof of insurance. In case of an accident, these are the basis for claiming insurance compensation and benefits, so keep them safe.
2. Travel Personal Accident Insurance: Before trying those thrilling activities at scenic spots, it’s wise to opt for voluntary travel personal accident insurance. Currently, insurance companies offer this type of policy at a premium of 1 yuan per policy, with coverage of 10,000 yuan per policy, and you can purchase up to 10 policies at a time. The insurance period starts when you buy the insurance and enter the tourist attraction, and ends when you leave the attraction.
It’s important to note that travelers can decide whether or not to buy this insurance based on the safety level of the activities. However, it’s highly recommended for the following types of travel: adventure trips such as exploring canyons, caves, deserts, or grasslands; eco-tours such as visiting wildlife parks or having picnics and camping in botanical gardens; or high-risk activities such as white-water rafting or climbing cliffs.
3. Accommodation Traveler's Personal Insurance: This insurance costs 1 yuan per policy, with a coverage period of 15 days starting from midnight on the day of check-in. It can be renewed upon expiration, and you can purchase multiple policies at once. Each policy covers three aspects: 5,000 yuan for accommodation traveler's insurance, 10,000 yuan for acts of bravery by the traveler, and 200 yuan for compensation if personal belongings are accidentally damaged or stolen. Within the insurance period, if the traveler dies, becomes disabled, or loses bodily function due to accidents, external attacks, murder, or while protecting themselves or others’ life and property, or if personal belongings are stolen or robbed, the insurance company will pay compensation according to different standards.
4. Travel Rescue Insurance: This type of insurance is commonly offered by domestic insurance companies. It is a collaboration between insurers and international rescue centers, including SOS. No matter where you are in the world, if you encounter danger, you can call for free assistance. It extends the services of traditional travel personal accident insurance, shifting from post-incident claims to providing timely and effective rescue when an incident occurs.
5. Travel Assistance Insurance: This insurance is especially suitable for overseas travel. With this coverage, if you have an accident or run into legal trouble due to unfamiliarity with local customs or laws, just make a call and you’ll receive free assistance.
Editor: Beifeng