Core Viewpoint - The upcoming "Golden Week" holiday in China is expected to increase travel activity, leading to a heightened focus on travel insurance due to potential risks such as accidents, flight delays, and lost luggage [1] Group 1: Importance of Travel Insurance - Travelers are advised to check their insurance coverage before embarking on trips, as accidents, illnesses, and lost belongings can occur [3] - Travel insurance typically covers medical emergencies, sudden death, trip delays, property loss, document loss, and emergency assistance, which may not be included in standard accident insurance [3][4] Group 2: Types of Insurance Products - Various travel insurance products are available, including those that cover risks specific to tourist attractions, transportation, and comprehensive coverage from start to finish of the trip [4] - For domestic travel, if the journey is short and valuable items are not carried, the focus should be on personal safety coverage, including accidental death, disability, and medical expenses [4] Group 3: Considerations for International Travel Insurance - For outbound travel, the complexity of risks increases due to unfamiliar environments, lack of local medical support, and differences in language and laws [5] - When selecting international travel insurance, it is crucial to consider the destination's medical costs, personal health conditions, and the risk level of planned activities [5] Group 4: Key Points for Selecting Travel Insurance - Key risks to focus on when purchasing travel insurance include accidental injury, property loss, and travel delays [6] - It is recommended that the insurance period covers the entire duration of the trip, and for high-risk activities, additional coverage should be considered [6]