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Is it enough for a traveler to buy only Travel Agencies Liability Insurance?

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Is it enough for a traveler to buy only Travel Agencies Liability Insurance?

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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.

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