Expedition to a place where never been to is a popular choice for a growing number of people. However, how to minimize the damage and loss caused by unexpected things is one of the most important factors that you need to think about before setting out your trip. Therefore, travel agents may recommend some travel insurance to you.
In China, most travel agencies offer their clients Travel Agencies' Liability Insurance. Each insurance company must carry this coverage, however, only the issue caused by the travel agencies may be compensated, since the beneficiary (insured) is the travel agency.
1. Travel Agencies' Liability Insurance
Issued by National Tourism Administration of China (CNTA) on May 15, 2001, the Travel Agencies' Liability Insurance law was officially put into effect in China on September 1 in the same year. Under this statute, every Chinese travel agency must provide their clients this insurance to guarantee the legitimate rights and interests of both travel agency and tourists
2. The Insurance Coverage
Accident are caused by the travel agency, as listed below, may be compensated:
Tourists' casualty (injury or death)
Loss, damage, and theft of tourists' belongings
Legal costs incurred disputing the fault of travel agency
Expenses related to the tourists' death and repatriating the body
Related expenses for medical treatment and related transportation fee
Other compensation agreed upon between the travel agency and the insurance company
Expenses that occur when the necessary aid has been provided to tourists, 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 travel itineraries
Please note that this insurance only lasts for one year and the maximum amount of reimbursement for inbound travel from abroad is CNY 160, 000 per person.
Since the Travel Agencies' Liability Insurance will not cover any expenses related to accidents outside of the control of the travel agency, it is highly recommended that the traveler should buy the personal insurance in his or her home country prior to departure.
3. FAQ about travel insurance
(A). 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.
(B). 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. This insurance does not cover mishaps or physical problems occurring outside the guided tour period or caused by clients themselves.
(C). Is it enough for a traveler only with 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.
4. Traffice Safety
When enjoying your tour, one of the most important things that you should pay due attention to is the traffic safety, because safety and health make your tour pleasant and wonderful. If you join a group tour, your guide and travel agency will care for your safety, while if you have a self-help tour, the tips below may do good to you on your tour.
(A). The weather in tourist destination should be the first thing that you should consider, so that you have idea about how to avoid such natural calamities as typhoons, rainstorms, mud flows or other geological disasters.
(B). The road condition of the cities you will visit is also an important safety factor to take into account. Due to different landforms with distinctive topographical features in China, road conditions change greatly in different areas. Be prepared to encounter bad road conditions and choose the appropriate vehicle. Generally, traffic accidents mostly occur on bumpy roads, sometimes with the addition of bad weather.
(C). Below are some practical tips for keeping you safe whether you are on foot, cycling, or in a vehicle.
(a). When walking
Be observant of the traffic rules. Walk on the sidewalk and be careful to give way to motor vehicles. Watch for the traffic when crossing the road and do not jay walk. Crosswalks are designed to assist pedestrians who wish to cross the road - be sure to use them. Stop walking and stand to one side of the sidewalk if you wish to read a book, magazine, newspaper, or map, when out walking.
(b). When riding a bike
It is safest to take the bicycle path when cycling and the traffic rules must be obeyed. Be more careful at rush hour. Please pay attention to pedestrians who cross the road in front of you. Do not carry luggage behind you and keep some space between you and the bike ahead. Make sure your bicycle is safe and has no operating problems before you leave.
(c). When on the bus/coach
Fastening your seat-belt especially when on the expressway may save your life in an accident. Do not sleep, even if you are very tired. Try to chat with others or look at the scenery outside the window. Have some medication on hand for travel sickness. It is important to be careful and guard against theft.
(d). When on the train
Please observe the regulations on railway safety and follow the advice proposed by the train attendant. Pay attention to your luggage and beware of thieves especially in the stations.
(e). When on the airplane
The flight regulations must be strictly observed, and you should follow the stewards' instructions, including when to fastern your seat belt.
(f). When on the cruise ship
Life jackets and safety buoys are always on the ship for passengers. After embarking, first find out where your life jacket and safety buoy are. If anything happens, please follow the captain's command.
(g). When self-driving
Find out about the road conditions and make sure you have your seat-belt fastened at all times. Do not drive if you are fatigued or after drinking alcohol. Do not speed and do not park your car inappropriately. Find out about the different traffic rules in different countries and get accustomed to them quickly. In China, the traffic keeps to the right. Comform to the traffic laws and give way to pedestrians.
If involved in a traffic accident, keep calm and don't panic. Being flustered may aggravate the situation. If possible, try your best to take down the driver's name, number of the driver's license, license plate number. Remember the process of the whole accident,record it with a camera. Don't interfere with the accident scene and ask several passers-by to be witnesses. Most importantly, report the accident to the police in no time. If necessary, contact the branch of your embassy or consulate in China. Refer to our website's Foreign Embassy and Consulate for more contact information in detail.