Travel inconvenience cover vs accident (travel safety) insurance solve different risks—delays and baggage versus injury or death benefits.

Quick contrast

  • Inconvenience — flight/baggage delays, trip interruption add-ons
  • Accident — medical / accidental death & disability sums
  • Card-linked policies may add large payouts when tickets are charged to the card

Read insurer wordings; the Taroko train case was a wake-up call, not a product pitch.