What is the difference between "travel agency liability insurance" and "travel accident insurance"

Travel agency liability insurance is insured by the travel agency itself, which covers accidents caused by negligence and negligence in the process of organizing tourism activities. The scope of protection includes personal compensation, lost luggage and property losses caused by third party liability. It can not only compensate tourists for personal injury and property losses, protect tourists' rights and interests, but also transfer the risks of travel agencies, and can also force travel agencies to buy according to relevant laws and regulations.

Travel accident insurance is a voluntary life insurance, which does not cover property liability. The scope of protection generally includes medical expenses, personal accidents, accidental double compensation, emergency medical transportation, repatriation expenses, personal luggage, luggage delay, trip cancellation, trip delay, trip shortening, personal money and documents, and personal responsibility.

Generally speaking, the coverage of travel agency liability insurance is far greater than that of travel accident insurance. Travel agency liability insurance not only includes compensation for personal injury, property loss and related expenses caused by travel agency, but also includes litigation expenses and necessary rescue expenses caused by insurance accidents.

However, in the event of an insurance accident, if the court or arbitration institution determines that the liability compensation of the travel agency is not within the scope of insurance liability or exceeds the relevant insurance amount, it shall be borne by the travel agency itself. At the same time, only by giving tourists adequate reminders and advice can travel agencies be partially or completely exempted from their responsibilities.

What is the difference between travel accident insurance and travel agency liability insurance? -China People's Insurance Company