旅行社责任保险不承担赔偿责任的情形( )
A.旅游者自身疾病引起的损失或损害
B.旅游者个人过错导致的人身伤亡和财产损失
C.旅游者在自行终止旅行社安排的旅游行程后,发生的人身、财产损害
D.旅游者在自行活动的时间内,发生的人身、财产损害
正确答案是ABCD
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