旅行社责任险和旅游意外保险是不同的。
The travel agency liability insurance and the traveling accident insurance ( personal insurance ) are different.
旅行社责任险属于责任保险范畴，而游客自身购买的旅行保险属于个人意外伤害保险，两者的承保对象和责任范围完全不同。
The travel agency liability insurance belongs to the liability insurance category, but the tourist own persoanl travel insurance belongs to individual accident insurance.
旅游者在旅游行程中，由疾病引起的各种损失或损害、由于旅游者个人过失导致的人身伤亡和财产损失以及由此导致的各种费用等，也都不在“旅行社责任险”的赔付范围之内。
A tourist suffering from the loss or the harm caused by disease, or the tourist individual error, is also not in "travel agency liability insurance" in payment scope.
旅游者在旅游行程中，由疾病引起的各种损失或损害、由于旅游者个人过失导致的人身伤亡和财产损失以及由此导致的各种费用等，也都不在“旅行社责任险”的赔付范围之内。
A tourist suffering from the loss or the harm caused by disease, or the tourist individual error, is also not in "travel agency liability insurance" in payment scope.
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