How much does travel insurance cost?

How much does travel insurance cost? ——Analysis and price comparison of hot topics across the Internet

Recently, "how much does travel insurance cost" has become a hot topic on social platforms and search engines. Especially with the arrival of the summer travel season, tourists' attention to insurance costs has increased significantly. This article combines the hot data of the entire network in the past 10 days to provide you with a structured analysis of the price range and influencing factors of travel insurance.

1. Core influencing factors of travel insurance prices

According to popular product data from major insurance platforms (such as Ping An, PICC, and Ant Insurance), price differences are mainly affected by the following factors:

2. Price comparison of popular travel insurance products across the Internet

Capture the top 5 most discussed insurance products on Douyin, Xiaohongshu, Weibo and other platforms (data statistics period: November 1-10, 2023):

3. The three price issues that users are most concerned about

By capturing questions from Zhihu, Baidu Zhizhi and other platforms, we found that high-frequency questions include:

1."Why is insurance in Japan twice as expensive as in Thailand for the same 7-day trip?"
——Mainly due to higher medical costs in Japan, accident insurance coverage usually requires ≥300,000 yuan, while in Thailand, 100,000 yuan is enough.

2."What is the difference between the 200 yuan insurance quoted by the travel agency and the 80 yuan insurance purchased by yourself?"
——Travel agency products often include liability insurance (to protect the travel agency’s fault), while self-purchased insurance focuses on personal accidents and medical care.

3."How much does winter ski insurance cost?"
——It is necessary to add "high-risk sports supplementary insurance", and the average daily cost will increase by about 25-50 yuan. For example, the average daily cost of China Pacific Insurance's ski insurance is +38 yuan.

4. Travel insurance price trends in 2023

Comparing the data for 2022, we found:

The price increase is mainly affected by global medical inflation, which is also one of the reasons why some insurance companies include "war risk" in their exemption clauses.

5. Purchase suggestions

1.Buy 7 days in advance: Early bird discounts for some products can reach 15% (such as the "early purchase" activity on Ctrip Insurance Channel)
2.Price comparison skills: Pay attention to whether practical terms such as "travel changes" and "property theft" are included
3.Student discount: For example, Meiya’s “Youth Edition” insurance, you can enjoy 30% off with your student ID

Note: The above data comes from public platform statistics, and the specific price is subject to the real-time quotation of the insurance company.