误区一：旅游责任险可保意外 Error a：Tourism liability insurance insurable accident

　　游客在旅行途中出现意外情况，旅行社只负部分责任，因为旅游责任险只为旅行社因疏忽或过失所需承担的经济责任“埋单”，而游客本人发生的意外事故则不在承保范围内。因此，外出旅游一定要上旅游意外险来增加保障。

Tourists during the trip appear an unexpected condition，Only part of responsibility for travel，Because tourism liability insurance for travel agency for negligence or assume responsibility for the economy“bill”，And visitors I accidents on the do not within the scope of cover。so，Traveling must travel to increase security casualty。

误区二：投保期限与出行时间可以错开 myth：Insurance time limit and travel time can stagger

　　旅游保险的投保期限应与出行时间相匹配，如果旅游行程发生变更，游客应调整所选保险的保障期限；在购买到保险时一定要核对保单上的保险期限。

Travel insurance period should be and travel time match，If travel is changed，The visitors should adjust the selected insurance guarantee deadline；In to buy insurance must check the insurance time limit of the insurance policy。

误区三：保额越高越好 Error three：Amount, the higher the better

　　有些游客认为保额高保障更好，保险专家提醒，到欧美等医药费较高的国家旅游，旅游险的保额最好不要低于20万元至30万元；而到东南亚行程较短的国家旅游，保额在10万元左右就足够了。

Some visitors think better coverage high security，Insurance experts remind，To Europe and the United States and other medical expenses of the higher state tourism，Travel insurance coverage had better not less than 200000 yuan to 300000 yuan；And to southeast Asia trip short national tourism，Protect the forehead to be in 100000 yuan is enough。