You are insured
When you travel with group tours, most of the times travel insurance is compulsory. Of course, you have the option to purchase your own travel insurance but travel insurance is very important at all times.
There are many unforeseen incidents can happen during travel times. Loss, thefts and damages can happen from time to time. Baggage lost or baggage damaged is the most common issue while other unforeseen circumstances such as accidents and medical coverage will be covered by travel insurance rather than your personal insurance.
Always remember to get yourself insured while traveling.