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Financial Investment News reporter Ji Xuejiao
Under the interweaving of demand for visiting relatives and returning to their hometowns, parent-child travel during the winter vacation, and New Year's Eve travel, the Spring Festival holiday will usher in the first travel peak of the year. While making travel plans, many consumers choose to include insurance products in their travel list. There are often more potential risks during holiday travel than on weekdays. In this case, what insurance products can cover the risks of the journey? What are the issues that need to be paid attention to when applying for insurance? 
Travel insurance should cover the duration of the tripAccording to the Ministry of Transport, in this year's 40-day Spring Festival, there will be about 9 billion people traveling, visiting relatives and leisure, which is expected to hit a record high. Among them, traveling for the Spring Festival has become the choice of more and more people. According to the "2024 Spring Festival Travel Market** Report" released by Ctrip, orders for domestic, outbound and inbound travel during the Spring Festival holiday (February 9 to 17) all increased significantly. It is worth noting that when traveling, especially in the process of overseas travel, the risk factor is higher than usual, and you may face various unexpected situations. In this regard, insurance experts remind that you can make your trip more secure by configuring relevant travel insurance products. Specifically, consumers can consider purchasing travel accident insurance to reduce the possible losses caused by accidents. Travel accident insurance includes accident insurance and accidental medical insurance. Among them, the insurance liability of the former generally includes accidental death and accidental disability; The insurance liability of the latter generally includes outpatient and emergency medical expenses and hospitalization expenses arising from accidents, accidental hospitalization subsidies, etc. Considering the risk of illness that may be suffered during the tour, a comprehensive travel accident insurance product with medical liability is preferred. On this basis, you can also choose different additional insurances according to your own situation. For example, when some tourists choose high-risk sports such as diving, rock climbing, and exploration according to their interests and hobbies, some travel accident insurance will exclude the loss of the insured caused by the above-mentioned high-risk sports, in which case, it is necessary to take out additional high-risk sports accident insurance. In addition, in the event of possible loss of luggage items and travel documents for travel, insurance for the loss of insured baggage items and travel documents can be added. Itinerary change loss insurance, hotel cancellation insurance and other insurances can also provide protection for holiday travel risks. However, most hotel cancellation insurance policies do not cover the full amount during the claims process. Consumers need to carefully understand the relevant rules of hotel cancellation insurance when booking, see the relevant insurance responsibilities, and judge whether it is suitable to purchase the insurance according to their own situation. It is important to note that no matter what kind of travel insurance you purchase, it should cover the duration of your trip. The above-mentioned insurance person suggested, "Travel insurance is generally calculated on a daily basis, and it is recommended that tourists purchase insurance for a period not less than the travel time, or even slightly longer than the travel time, so as not to lose the insurance protection due to the expiration of the insurance in the case of a change in the travel itinerary." 
Comprehensive traffic accident insurance on demandDuring the Spring Festival, many people will face a long journey. For consumers traveling by public transportation, aviation accident insurance is often the most familiar traffic insurance product. This kind of insurance product that can be purchased at the same time when purchasing a ticket** is generally 20-30 yuan, which can provide a higher amount of accident protection for a single flight. However, as the public transport used during the Spring Festival travel period is often more diverse, comprehensive traffic accident insurance is considered to be more worthy of attention than aviation accident insurance, which has a relatively simple coverage. Comprehensive traffic accident insurance can cover accidents such as passenger civil flights, passenger ships, rail transit vehicles, passenger motor vehicles, private cars, etc., as well as accidental injury medical expenses, with a maximum insurance amount of 10 million yuan. "When applying for traffic accident insurance, you can choose the product according to your personal needs and choose a reasonable coverage area. "Insurers suggest that if you only travel for a small and long holiday, you can choose short-term traffic accident insurance or short-term accident insurance that covers traffic protection according to the actual number of days of travel, not only the protection period can be freely chosen, but the premium is also relatively low. At the same time, if conditions permit, you can choose products that cover accidental medical benefits as much as possible, and you can compensate for accidental medical expenses. In addition, it is desirable that the insurance period is equal to or greater than the travel period. "Since the earliest effective date of accident insurance products is in the early hours of the next day, it is best to purchase in advance after confirming the coverage date to avoid incomplete coverage. "In addition, do I need to purchase multiple different aviation accident insurance policies at the same time during my trip to get a higher level of protection? In this regard, insurance sources pointed out that aviation accident insurance is a kind of fixed-amount benefit insurance, and the more policies that meet the compensation requirements, the more compensation will be paid. However, from the perspective of insurance companies, aviation accidents are still the lowest incidence of traffic accidents, and there is no need to impulsively make insurance purchases. On the other hand, for frequent flight delays during holidays, flight delay insurance can protect the relevant risks. Specifically, when purchasing relevant insurance products, consumers should carefully read the insurance contract and pay attention to the coverage of flight delay insurance. Secondly, the flight delay insurance of different insurance companies has different contractual provisions on the delay time, the starting time and the amount of claims, so you need to understand this in advance. 
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