Travel Insurance for China : In China, most travel agencies offer their clients Travel Agencies' Liability Insurance.
We highly recommends having a travel insurance policy that covers:
-> Loss of and/or damage to luggage
-> Medical insurance
-> Cancellation and Curtailment
-> Loss of money (cash), travellers cheques or personal belongings
If you are participating in winter sports than your travel insurance covers this also. If you are bringing along expensive items such as jewelry or photographic equipment, check the value per item is covered by your travel insurance. If the coverage for these items is minimal you may wish to take out extra coverage on these items.
The Insurance Coverage
-> Tourists' casualty (injury or death)
-> Expenses related to the tourists' death and repatriating the body.
-> Legal costs incurred disputing the fault of travel agency
-> Other compensation agreed upon between the travel agency and the insurance company.
-> Related expenses for medical treatment and related transportation fee
-> Loss, damage, and theft of tourists' belongings
-> 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.