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China Airlines Travel Insurance - 2024 Review

China airlines travel insurance.

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China Airlines is a state-owned carrier for the Republic of China, and one of the two major state-owned airlines along with EVA Air

China Airlines Travel Insurance is not offered when booking flights out of the USA. This is great news! It means we can find excellent options in the wider travel insurance market.

Let’s book a trip on China Airlines and then see what options we have for trip insurance in the open marketplace through TripInsure101 .

Our Sample Trip – San Francisco to Bangkok

We booked a trip for two travelers from San Francisco to Bangkok from May 7 – May 31, 2023. For fares, we looked at the various fares for Economy (and there’s quite a few!)

China Airlines does a good job showing different fare options. The range in prices is astonishing.

The least expensive fare is the Economy Basic at $906.20 while the most expensive is the Premium Economy Flex at $2,774.20. For the privilege of paying an additional $1,868, we only get a $50 reduction in our cancellation penalty with the Premium Flex as well as not paying for Wi-Fi and free flight changes. That’s an expensive upgrade for saving a nominal amount in penalty fees.

Instead of paying additional fees for the privilege of paying $50 less in penalties for refunds or changing our tickets, a better option is to buy the least expensive seat that they sell, then insure it. If you are worried about flexible cancellation benefits, then purchase Cancel for Any Reason insurance. We will cover this a little later.

After reviewing the fares, we chose the Economy Basic seats for both legs of the trip. Next, we chose our seats for all legs of the trip, coming in at a total of $130 which brought our total trip cost to $1,916.76:

TripInsure101 – Compare and Save

Since China Airlines doesn’t provide travel insurance let’s shop around. At TripInsure101 we take care of this. We get binding insurance quotes, anonymously, from all our major travel insurance carriers.

Inputting our trip details for a quote, we were presented with 27 options for travel insurance. How do we determine which one to choose?

For travel to Asia and destinations far from US shores, TripInsure101 recommends having a minimum of $100,000 of medical coverage and a minimum of $500,000 for medical evacuation coverage.

The least expensive plan with adequate coverage is the IMG Travel SE . The policy provides $250,000 of medical coverage and $500,000 of medical evacuation coverage as well as a waiver to cover pre-existing medical conditions if the policy is purchased within 20 days of the initial trip payment or deposit date.

Total cost is $135.36 which is the total cost for both travelers combined. The policy will allow us to cancel for standard reasons such as illness or injury prior to departure and receive a 100% of our non-refundable trip costs. Also, unlike China Airlines, IMG doesn’t charge a penalty if we need to cancel the trip or change trip details.

Cancel for Any Reason Travel Insurance

Some people prefer to have a policy in place that provides  Cancel for Any Reason  (CFAR) benefits.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have can provide either a 50% or a 75% refund depending on the policy chosen.

The use of Cancel for Any Reason insurance to lower ticket prices has been described as the  Airline Ticket Hack . Refundable benefits, yet with non-refundable tickets.

Looking at our quote from TripInsure101, the least expensive CFAR policy is the Travel Insured Worldwide Trip Protector (CFAR 75%). This policy provides $100,000 of medical benefits and $1 million of medical evacuation benefits as well as a waiver to cover pre-existing medical conditions if the policy is purchased within 21 days of the initial trip payment or deposit date.

If we had to cancel for a listed reason in the policy such as an illness, we’d receive 100% of the non-refundable trip cost. However, if we cancel for a reason NOT listed in the policy, such as simply deciding we don’t want to go, the policy will refund us 50% of the trip cost.

At $213.12 (total cost for both travelers combined), the Travel Insured policy is more expensive than the IMG policy above but provides us with maximum cancellation flexibility.

TripInsure101 Travel Marketplace – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. Sites like  TripInsure101  do the same for travel insurance. Would you like to visit each travel insurance carrier directly? Of course not. Take the Amazon-like travel insurance experience at TripInsure101.

The beauty of insurance comparison through a marketplace like TripInsure101 is that you get to see all the best prices in the market and make an informed decision.

Does TripInsure101 charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed because of anti-discriminatory insurance law in the US. Take a look at the article Travel Insurance Comparison  – Will I Pay More Buying Travel Insurance from a Comparison Website? This is powerful consumer protection.

A travel insurance marketplace like  TripInsure101  will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with China Airlines and don’t forget your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

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China Travel Insurance

Travel insurance for china.

Home to the Great Wall of China, a major tourist attraction for Americans. Tourists can also experience China’s multi-faceted cultures, history, and Asian cuisine.

Before you pack your bags to Beijing, Xi’an, Shanghai or other parts of the country, travel insurance is a valuable coverage that adds protection over your trip.

• What should your Travel insurance cover for a trip to China? 
• How does Travel Insurance for China Work?
• Do I need Travel Insurance for China? 
• How much does Travel Insurance cost for China? 
• Our Suggested AXA Travel Protection Plan
• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to China?

Traveling with pre-existing medical conditions , what should your travel insurance cover for a trip to china.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for China.

How Does Travel Insurance for China Work?

Fortunately, China is a fairly safe travel destination, although small risks such as petty theft and pickpocketing have been known to occur in public spaces and on public transportation. If your passport or other identification ends up missing on the train from Beijing to the Gobi Desert, your AXA Travel Protection Plan will help you replace your documents. Here is how travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits:

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver) : Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Do I Need Travel Insurance for China?

While the Chinese government does not require travelers to purchase travel insurance , it offers valuable protection when you are far from home on an overseas trip. Unexpected issues are less problematic when you can rely on your travel insurance plan to help assist you with issues that may come up. Why? There are several reasons:

Trip Interruption: Severe weather, illness or another eligible event may disrupt your trip or cause you to end it sooner than you planned. Travel insurance may pay reasonable expenses according to the per-day limit and maximum benefit.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Missed Connections: Direct flights to China are available but some travelers may have connecting flights. If you miss a connection because of unforeseen circumstances, travel insurance can pay reasonable expenses up to a daily limit for meals, transportation and accommodations.

How Much Does Travel Insurance Cost for China?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to Spain will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the  Silver Plan , Gold Plan , and Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Argentina hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

Broader coverage is available under the Platinum Plan which is a good choice for China travelers who want additional coverage. For example, Cancel for Any Reason is an optional coverage that offers greater flexibility to travelers. The Collision Damage Waiver coverage is another option, and it covers collision, theft or damage to a car you rent for your China trip.

With over 500 golf courses to explore, China is a golfer’s paradise, and Lost Golf Rounds can pay up to $500 per day if you have to cancel a tee time due to weather or some other unexpected reason.

What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses: Emergency medical Emergency evacuation & repatriation Non-medical emergency evacuation & repatriation.

Emergency Medical: Can cover illnesses such as heart or breathing problems and injuries such as a broken arm or back pain.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Can cover evacuation expenses if you need to leave the country at the last minute due to a non-medical event such as an earthquake, fire or flood.

The People’s Republic of China requires travelers from the United States to present a negative COVID-19 test and they screen passengers for a fever via a scanner. Their entry and exit requirements and quarantine requirements are subject to change so check the U.S. Embassy & Consulates in China regularly prior to your trip.

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we are here to support you during your trip. Our Gold and Platinum Plans offer coverage for pre-existing medical conditions.

The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, What does this mean for you? If you have got a medical condition that has been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexising medical condition, so long as it is within 14 days of placing your initial trip deposit and in our 60-day look-back period. We are here to make sure you travel with ease, no matter your health situation.

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to China?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in China?

No, travel insurance is not currently required to visit China, although you may find it valuable.

4.What is needed to visit China from the USA?

If you are visiting China from the USA, all you need is a passport that is valid for at least six months. Be sure to carry it with you at all times.

5.What happens if a tourist gets sick in China?

If you become sick in China, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.  

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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China airlines travel insurance.

Traveling can be a wonderful experience, but it’s important to be prepared for the unexpected. That’s where travel insurance comes in. China Airlines offers travel insurance to help protect you and your belongings during your travels.

What Does China Airlines Travel Insurance Cover?

China Airlines travel insurance offers coverage for trip cancellations, medical emergencies, lost or stolen baggage, flight delays or cancellations, and more. The specific coverage and terms may vary depending on the plan you choose.

How Do I Purchase China Airlines Travel Insurance?

You can purchase China Airlines travel insurance when booking your flight or separately through their website. It’s important to read the terms and conditions carefully before purchasing to ensure you understand what is covered.

How Much Does China Airlines Travel Insurance Cost?

The cost of China Airlines travel insurance varies depending on the type of plan you choose, the length of your trip, and other factors. It’s important to compare plans and prices to find the best option for your needs.

What Should I Do If I Need to Use My China Airlines Travel Insurance?

If you need to use your China Airlines travel insurance, it’s important to contact the insurance provider as soon as possible. They will guide you through the claims process and provide any necessary assistance.

Is China Airlines Travel Insurance Worth It?

Whether or not China Airlines travel insurance is worth it depends on your specific needs and travel plans. If you’re traveling with expensive belongings, have a pre-existing medical condition, or are planning a trip with a higher risk of cancellation or delays, travel insurance may be a wise investment.

China Airlines travel insurance can provide peace of mind and protection during your travels. It’s important to carefully consider your options and choose a plan that meets your needs.

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China Travel Insurance: How To Choose

Introduction

Traveling can be an exciting and enriching experience, whether you’re exploring new cultures, indulging in exotic cuisines, or marveling at breathtaking landscapes. However, it’s important to prepare for unexpected circumstances that may arise during your trip, and one way to do so is by purchasing travel insurance. In particular, if you’re planning a trip to China, having comprehensive travel insurance coverage is essential, given the unique challenges and potential risks that may be encountered in this vast and culturally diverse country.

China, with its rich history, vibrant cities, and stunning natural beauty, attracts millions of visitors each year. While exploring this fascinating destination, you may encounter situations where your health, belongings, or travel plans are at risk. Whether it’s a medical emergency, lost luggage, trip cancellation, or any other unforeseen event, having travel insurance ensures that you are protected and provided with the necessary assistance.

Understanding the intricacies of China travel insurance is crucial in order to make an informed decision and choose the right coverage that suits your needs. This guide will walk you through the factors to consider when selecting China travel insurance, coverage options available, important terms and definitions to be aware of, and tips to help you make the right choice.

By the end of this article, you’ll have a better understanding of the importance of travel insurance for your trip to China and the key factors to keep in mind when selecting the right coverage. Whether you’re planning a quick getaway to Shanghai or embarking on an adventure to explore the Great Wall, having the peace of mind that comes with comprehensive travel insurance will allow you to fully enjoy your trip while being prepared for any unexpected situations that may arise.

Understanding China Travel Insurance

China travel insurance provides coverage and protection for travelers visiting China. This insurance is designed to safeguard against unforeseen events that could impact your trip, such as medical emergencies, trip cancellations, lost luggage, or even emergency evacuation. Understanding the key aspects of China travel insurance is crucial in order to select the right coverage for your needs.

One of the primary benefits of China travel insurance is medical coverage. Although you may have medical insurance in your home country, it might not cover medical expenses incurred abroad. China travel insurance typically provides coverage for emergency medical treatments, hospital stays, and medical evacuation, ensuring that you receive the necessary care without any financial burden.

In addition to medical coverage, China travel insurance often includes coverage for trip cancellation or interruption. This means that if your trip gets canceled or cut short due to unforeseen circumstances, such as a family emergency or natural disaster, you can be reimbursed for non-refundable expenses, including airfare, accommodations, and tour fees.

Lost luggage is another common concern for travelers, and China travel insurance typically provides coverage for the loss or delay of baggage. If your luggage is lost, damaged, or delayed during your trip, your insurer can reimburse you for the cost of essential items or replacement of the lost items.

China travel insurance may also offer coverage for personal liability, which protects you against any legal expenses or damages in case you are held responsible for causing injury or damage to a third party during your trip. This can be especially important when traveling in a foreign country where the legal system and potential liabilities might be unfamiliar to you.

It’s important to note that the coverage and limits of China travel insurance can vary depending on the insurance provider and the specific policy you choose. It’s crucial to carefully review the terms and conditions of the policy to ensure that it aligns with your specific needs and provides adequate coverage for your travel plans.

By understanding the coverage options available and assessing your personal requirements, you can make an informed decision about which China travel insurance policy is the best fit for you. Remember, investing in travel insurance provides peace of mind and protects you from unforeseen expenses and emergencies, allowing you to fully enjoy your trip to China.

Factors to Consider When Choosing China Travel Insurance

When selecting China travel insurance, it’s important to consider several factors to ensure that you choose the right coverage that meets your specific needs and provides adequate protection during your trip. Here are some key factors to consider:

• Coverage Options: Evaluate the coverage options offered by different insurance providers. Look for comprehensive coverage that includes medical expenses, trip cancellation/interruption, lost luggage, personal liability, and emergency evacuation. Determine which coverage options are priorities for your trip to China.
• Policy Limits: Examine the maximum coverage limits provided by each policy. Ensure that the limits are sufficient to cover potential expenses in case of medical emergencies, trip cancellations, or lost baggage. Consider factors such as the cost of healthcare in China and the total value of your travel expenses.
• Premium Costs: Compare the premium costs of different insurance policies. Keep in mind that cheapest doesn’t always mean the best. Consider the value provided by the policy in relation to its cost. Look for a balance between affordability and comprehensive coverage.
• Pre-Existing Medical Conditions: If you have pre-existing medical conditions, ensure that the insurance policy provides coverage for them. Some policies may exclude coverage for pre-existing conditions or have specific conditions for coverage eligibility. Read the policy terms and conditions carefully to avoid any unpleasant surprises.
• Travel Duration: Consider the duration of your trip to China. If you’re planning a short vacation, a single-trip insurance policy may suffice. However, if you’re a frequent traveler or planning an extended stay, a multi-trip or long-stay policy would be more appropriate and cost-effective.
• Geographical Coverage: Check if the insurance policy provides coverage not only in China but also in other countries you plan to visit during your trip. If you’re planning to explore neighboring countries or have connecting flights, it’s important to have coverage for those regions as well.
• Customer Reviews and Reputation: Research the reputation and customer reviews of the insurance provider. Look for feedback from previous customers regarding the company’s claims process, customer service, and overall satisfaction. This will give you insights into the reliability and trustworthiness of the provider.

By considering these factors, you can make a well-informed decision when choosing China travel insurance. It’s important to take the time to compare different policies, read the fine print, and understand the coverage terms and exclusions. Remember, travel insurance offers peace of mind and financial protection, providing you with the necessary support in case of any unforeseen events during your trip to China.

Coverage Options for China Travel Insurance

When selecting China travel insurance, it’s crucial to understand the coverage options available to ensure that you have adequate protection during your trip. Here are some common coverage options offered by China travel insurance policies:

• Medical Expenses: This coverage option provides reimbursement for medical treatments, hospital stays, and emergency medical evacuation. It ensures that you receive the necessary healthcare without worrying about the financial burden. It’s important to check the coverage limits and any exclusions related to pre-existing medical conditions.
• Trip Cancellation or Interruption: This coverage reimburses non-refundable expenses if your trip to China gets canceled or cut short due to unforeseen circumstances such as illness, natural disasters, or other emergencies. It typically covers expenses like airfare, accommodations, and tour fees.
• Lost or Delayed Luggage: This coverage option provides reimbursement for the loss, damage, or delay of your baggage. It helps cover the cost of essential items or replacement of lost items, allowing you to continue your journey without significant inconvenience.
• Personal Liability: This coverage protects you from any legal expenses or damages if you are held responsible for causing injury or damage to a third party during your trip to China. It provides financial protection and peace of mind in case of unforeseen liabilities.
• Emergency Evacuation: This coverage offers assistance and financial coverage for emergency medical evacuation or repatriation to your home country in case of a serious illness or injury that requires specialized treatment or transportation.
• 24/7 Assistance Services: Most China travel insurance policies provide round-the-clock assistance services, including emergency helpline, travel assistance, and concierge services. These services offer support and guidance in various situations, including medical emergencies, lost documents, or other travel-related issues.
• Additional Coverage Options: Depending on the insurance provider, there may be additional coverage options available, such as trip delay coverage, missed connection coverage, rental car coverage, and adventure sports coverage. Assess your specific needs and preferences to determine if any additional coverage options would be beneficial for your trip.

It’s important to carefully review the coverage options and policy terms and conditions to understand the specific coverage details, limits, and exclusions. Assess your travel plans, activities, and personal needs to determine which coverage options are crucial for your trip to China. By selecting the right coverage options, you can have peace of mind knowing that you’re protected against unexpected events and have the necessary support during your travels.

Important Terms and Definitions

When exploring China travel insurance options, it’s essential to familiarize yourself with important terms and definitions associated with the coverage. Understanding these terms will help you better navigate the policy and make informed decisions. Here are some key terms and definitions:

• Premium: The premium is the amount you pay to the insurance company for the coverage. It can be a one-time payment for single-trip insurance or an annual payment for multi-trip insurance.
• Deductible: The deductible is the amount you are responsible for paying before the insurance coverage kicks in. For example, if your deductible is $200, and you incur medical expenses of $500, you would pay the $200 deductible, and the insurance provider would cover the remaining $300.
• Policy Limits: The policy limits refer to the maximum amount that the insurance company will pay for a particular coverage option. It’s important to understand these limits to ensure you have sufficient coverage for potential expenses.
• Pre-Existing Medical Condition: A pre-existing medical condition refers to an illness, injury, or medical condition that existed before your travel insurance policy came into effect. It’s important to understand how pre-existing conditions are covered, as some policies may have specific conditions or exclusions.
• Exclusions: Exclusions are specific situations or circumstances that are not covered by the insurance policy. It’s crucial to carefully review the policy’s exclusions to understand what events or situations may not be covered and plan accordingly.
• Claim: A claim is a formal request made to the insurance company for reimbursement or coverage for a covered event or expense.
• Emergency Assistance: Emergency assistance refers to the services provided by the insurance company, such as a 24/7 helpline, medical assistance, or travel assistance, to help you in case of emergencies or unexpected situations during your trip.
• Repatriation: Repatriation refers to the process of returning an individual to their home country in case of a serious illness, injury, or death that cannot be adequately treated at the travel destination.
• Travel Delay: Travel delay refers to a situation where your scheduled transportation is delayed for a specified period. Travel insurance may provide coverage for additional expenses incurred due to the delay.
• Policy Termination: Policy termination refers to the cancellation or end of the insurance coverage, either by the policyholder or the insurance company. It’s important to understand the policy’s termination clauses to avoid any complications.

By familiarizing yourself with these terms and definitions, you can better understand the specifics of your China travel insurance policy. If you come across any terms or concepts that you’re unsure about, don’t hesitate to reach out to the insurance provider for clarification. Understanding these important terms will enable you to navigate your policy effectively and ensure that you have the coverage you need during your trip to China.

Tips for Choosing the Right China Travel Insurance

Choosing the right China travel insurance is essential to ensure you have the necessary coverage and protection during your trip. Here are some helpful tips to consider when selecting your travel insurance policy:

• Assess Your Needs: Evaluate your specific needs and requirements for your trip to China. Consider factors such as your travel duration, planned activities, and the level of coverage you desire. This will help you determine which coverage options are essential for your trip.
• Compare Multiple Policies: Don’t settle for the first travel insurance policy you come across. Take the time to compare multiple policies from different providers. Look at the coverage options, policy limits, premium costs, and any additional features or benefits offered.
• Read the Fine Print: Carefully review the terms and conditions of the policy. Pay attention to the coverage details, exclusions, deductibles, and claim procedures. Ensure that you fully understand what is covered and what is not to avoid any surprises or misunderstandings later on.
• Consider Emergency Assistance Services: Look for a policy that offers 24/7 emergency assistance services. Having access to a helpline and travel assistance can be invaluable in case of emergencies or unexpected situations during your trip to China.
• Check Pre-Existing Medical Condition Coverage: If you have any pre-existing medical conditions, ensure that the policy provides coverage for them. Some policies may have specific conditions or exclusions related to pre-existing conditions.
• Review Customer Feedback: Research the reputation and customer reviews of the insurance providers you’re considering. Look for feedback on the company’s claims process, customer service, and overall satisfaction. This will give you insights into the reliability and trustworthiness of the provider.
• Consider Multi-Trip or Annual Policies: If you’re a frequent traveler or planning multiple trips to China within a year, consider opting for a multi-trip or annual policy. These policies can be more cost-effective and convenient compared to purchasing separate policies for each trip.
• Consult with a Travel Agent: If you’re unsure about which travel insurance policy to choose, consider consulting with a travel agent who specializes in travel insurance. They can provide valuable advice and help you find a policy that aligns with your specific needs and budget.
• Review Your Existing Coverage: Before purchasing travel insurance, review any existing insurance coverage you may have, such as medical insurance or credit card benefits. Determine if there are any overlapping coverages to avoid paying for duplicate coverage.
• Don’t Delay Purchasing Insurance: It’s important to purchase travel insurance as soon as you book your trip to China. This ensures that you’re protected in case of any unforeseen events that may occur before your departure.

By following these tips, you can make an informed decision and select the right China travel insurance policy for your needs. Remember, the goal is to have peace of mind and be prepared for any unexpected situations that may arise during your travels in China. With the right coverage in place, you can enjoy your trip with confidence and focus on creating unforgettable memories.

Frequently Asked Questions

Here are some frequently asked questions about China travel insurance:

• Is travel insurance necessary for a trip to China?

While travel insurance is not a legal requirement for visiting China, it is highly recommended. Travel insurance provides financial protection against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, ensuring you have peace of mind during your trip.

• What does China travel insurance typically cover?

China travel insurance typically covers medical expenses, trip cancellation/interruption, lost or delayed luggage, personal liability, and emergency evacuation. However, the specific coverage options and limits may vary depending on the insurance policy you choose.

• Does China travel insurance cover pre-existing medical conditions?

Some China travel insurance policies may provide coverage for pre-existing medical conditions, while others may have specific conditions or exclusions. It’s important to carefully review the policy terms and conditions to determine the coverage for pre-existing conditions.

• When should I purchase China travel insurance?

It’s recommended to purchase China travel insurance as soon as you book your trip. This ensures that you’re covered for any unforeseen events that may occur before your departure, such as trip cancellations or medical emergencies.

• Can I cancel my China travel insurance policy?

Most travel insurance policies have a free-look period, typically 10 to 15 days after purchase, during which you can cancel the policy for a full refund. After the free-look period, the policy may have a cancellation fee, and the refund amount depends on the terms and conditions of the policy.

• Are adventure activities covered under China travel insurance?

Sometimes, adventure activities such as hiking, skiing, or scuba diving are not covered under a standard travel insurance policy. If you plan to engage in such activities, make sure to check if they are covered as part of your policy or if you need additional coverage for these activities.

• What should I do if I need assistance during my trip to China?

If you need assistance during your trip, such as medical emergencies or travel-related issues, contact the 24/7 emergency assistance helpline provided by your insurance company. They can provide guidance and support in navigating the situation.

• Can I extend my China travel insurance policy if my trip gets extended?

Some insurance providers allow policy extensions if your trip gets extended. However, it’s important to contact your insurance provider as soon as possible to discuss the extension and any additional premiums or coverage adjustments that may be required.

• How do I make a claim with my China travel insurance?

If you need to make a claim, notify your insurance provider as soon as possible and follow their specific claims process. You will typically be required to submit relevant documentation, such as medical receipts or police reports, to support your claim.

Remember to read your policy carefully and contact your insurance provider directly for any specific questions related to your China travel insurance coverage.

China travel insurance is a crucial aspect of planning your trip to this diverse and captivating country. It provides the protection and peace of mind you need to fully enjoy your travel experience, knowing that you are covered in case of any unforeseen events. By understanding the various coverage options, policy terms, and factors to consider, you can choose the right China travel insurance policy that aligns with your needs and provides the necessary coverage.

When selecting a policy, assess your specific needs, compare multiple options, and thoroughly review the terms and conditions. Consider factors such as coverage options, policy limits, premium costs, and any additional services or benefits offered. It’s also important to check if the policy covers pre-existing medical conditions and provides emergency assistance services.

By carefully evaluating your options and selecting the right coverage, you can have peace of mind knowing that you are financially protected against medical emergencies, trip cancellations, lost luggage, and other unexpected events that may occur during your trip to China. Remember to read the policy thoroughly, understand the coverage details, and keep a copy of your insurance documents handy while traveling.

Traveling to China offers a multitude of experiences and adventures, from exploring ancient cultural sites to indulging in delicious cuisine. With the right China travel insurance, you can embark on your journey with confidence, knowing that you have taken the necessary steps to protect yourself and your travel investment.

So, whether you’re planning a visit to the Great Wall, immersing yourself in the bustling streets of Beijing, or exploring the picturesque landscapes of Zhangjiajie, make sure to secure the right China travel insurance. It’s an essential part of your travel planning that allows you to focus on creating lifelong memories while being prepared for any unexpected twists and turns along the way.

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Travel insurance for China (what you need to know)

Posted by Mike Cairnduff | Updated March 19, 2023 | Travel

Don’t leave for China without travel insurance.

The Chinese medical system is not the same as back home. Hefty medical costs may be required upfront, and English may not be spoken.

So, if something bad were to happen, would you be able to cope – both mentally and financially – if you didn’t have cover?

In this article, I’ll share information about China travel insurance, health and safety tips, as well as links where you can get a quote and buy an insurance plan.

Do I need travel insurance for China?

If you’re not insured and you get injured, you could be up for thousands. Image by George Rudy on Shutterstock.

Travel insurance isn’t mandatory for China.

However, it’s recommended if you want cover for medical treatment while you’re there, which can be very expensive.

Accidents and medical emergencies happen all the time in China, and foreigners are not immune.

Whether you’re in Beijing or Shanghai, or somewhere off the beaten track, paying a little bit of money upfront for insurance can save you from potentially forking out thousands of dollars for medical care.

Hopefully you don’t need to use your travel health insurance in China. But it’s nice knowing it’s there if you do need it.

What’s the best travel insurance for China?

I recommend VisitorsCoverage when traveling to China.

With VisitorsCoverage, it’s easy to find, compare and buy the best travel insurance for your China trip.

For total peace of mind, a comprehensive plan is best for China. It’s especially recommended if you have any pre-existing conditions or if you’re elderly.

If you’re looking for basic coverage at an affordable price, a limited plan may suit you best.

It really depends on your personal circumstances (such as your health), how long you’re going for, and how much money you want to spend to look after you and your loved ones.

What’s the cheapest travel insurance for China?

If you want basic coverage and limited benefits, you can choose a limited plan with VisitorsCoverage . This is also known as a fixed benefit plan.

Just keep in mind that the cheapest plan may not include things like COVID-19 treatment or pre-existing conditions.

Whenever I travel to China, I take out comprehensive insurance and I’m relatively fit and healthy. I never scrimp and save when it comes to my health.

To keep your premium low, you can also choose a higher deductible no matter the plan.

Cover for COVID-19 in China

Do you want cover for COVID-19 treatment in China?

If so, simply choose a travel insurance medical plan with VisitorsCoverage that includes this benefit. You’ll find these plans clearly marked with a green tick.

You can also select a plan that doesn’t include COVID-19. Generally, these plans are a bit cheaper.

For me, it’s a no brainer. Cover for COVID-19 in China is a must-have!

Cover for medical evacuation from China

In the best interests of your health, sometimes you need to return home straight away.

Medical evacuation from China can be super expensive. That’s why it’s important to check that your insurance policy includes this benefit.

Sometimes it’s referred to as medevac insurance.

What are medical facilities like in China?

The quality of medical care depends on where you are in China. Image by Junrong on Shutterstock.

China has international-standard hospitals and medical services. However, treatment can be expensive which is why taking out travel insurance is recommended.

Some hospitals in the biggest cities, like Shanghai and Beijing, even have special departments for treating foreigners.

Outside major cities, however, the standard of medical care and the range of medications may be limited. Medical staff in rural areas may not be trained to the standard you’re used to.

Hospitals may ask for cash up-front before treating you.

Health and safety tips for China

Take care while traveling in China. Image by Elizaveta Galitckaia on Shutterstock.

China is a safe destination for travelers.

Having said that, it’s always worth taking extra care when you’re traveling overseas. Here are some tips to help you.

There’s still a risk that you can get COVID-19 in China and become very sick. Try to avoid very crowded places if you can (this can be hard in China!).

If you test positive for COVID-19 and your symptoms are mild, you should rest in your hotel or hostel until you feel better.

However, there are no longer any legal requirements to self-quarantine, so you’re free to keep sightseeing if you choose. Just make sure you wear a mask to help protect others.

If your symptoms are more serious and you’re very sick, you should see a doctor straight away.

Food and drink

To minimize your chance of getting a tummy bug or food poisoning, eat thoroughly cooked food that has been prepared in hygienic conditions.

Please don’t drink the tap water in China. It’s unsafe to drink, even in hotels. You should drink bottled water instead, which is available everywhere.

It’s OK to brush your teeth with the tap water – just don’t swallow it.

Stay away from both domestic and wild animals in China as you can get sick or even die if you’re bitten.

For example, you could get rabies from a pet dog or cat. And, people have died from bird flu in China, so stay away from live poultry too.

Insect-borne diseases

Japanese encephalitis and malaria exist in southern China, particularly in rural areas in the warmer summer months.

Dengue fever cases have also recently risen sharply , especially in Guangdong. Risks increase during the wet season.

There are numerous vaccinations for China you should get, depending on which parts of the country you’re visiting and the time of year. You can also protect yourself from insects by using repellent and covering up.

Sexually transmitted diseases

If you’re going to have sex with a local, make sure you use protection. HIV/AIDS is a significant risk in China.

And, although prostitution in China exists, it’s actually banned and there are severe penalties if you get caught including fines and deportation.

Wash your hands thoroughly and regularly throughout your trip.

Public toilets in China can be unhygienic, and there is usually no toilet paper or hand soap. You’ll need to bring your own paper and hand sanitizer.

Chinese roads are busy and accidents happen all the time, so take care when crossing the road. Cars may not stop for you, even at pedestrian crossings.

If you plan on riding an e-bike or e-scooter in China, make sure your insurance plan covers these kinds of vehicles. And always wear a helmet!

High pollution in China is a big problem in many cities, particularly if you have pre-existing conditions or respiratory issues. Consider buying a face mask that blocks out pollution, and stay indoors on the worst days.

You can check this page for the latest pollution levels in the cities you’re traveling to.

Altitude sickness

Some regions in China , such as Tibet and Qinghai, are at altitudes of over 3,000 m (almost 10,000 ft). Altitude sickness is common among travelers to these areas.

Take plenty of rests especially if you have pre-existing conditions such as heart or respiratory problems.

Psst! A quick travel tip

Download a VPN before you arrive in China. Image by Gemmy on Shutterstock.

You may not have heard that the Chinese internet is censored.

So, when using Wi-Fi, you won’t have access to your favorite sites and apps like Instagram, Facebook, YouTube, Gmail, Google and heaps more, unless you get a VPN before you arrive.

You can read my review about the best China VPN (or skip the review and go straight here ).

A summary of travel insurance for China

Too long, didn’t read? Here are the most important bits.

Although travel insurance isn’t an entry requirement for China, it’s recommended you get cover. If something bad were to happen to you in China, you could be up for thousands of dollars as medical care can be expensive there.

With VisitorsCoverage , there are two main types of medical insurance for China – comprehensive and limited.

Comprehensive gives the best level of protection. Just make sure it includes everything you need, such as COVID-19 and medical evacuation cover.

Although China is a safe place to visit, accidents happen all the time, and there are risks associated with other people, food, animals, insects, traffic, hygiene and pollution.

That’s why having travel insurance for China is so important.

Heading to China soon?

As well as getting medical insurance, make sure you’ve got the other essentials sorted:

• Visa – if you’re only staying for a few days, you may be eligible for visa-free travel .
• Payments – your credit card may not be accepted, so bring yuan or get Alipay .
• Packing – knowing what to pack can be hard, so use the China packing list .

Have an amazing, safe time in China. And don’t forget your travel insurance!

Help in China

Here are some helpful, local phone numbers if you need help in China.

Emergency assistance

• Medical – call 120
• Police – call 110
• Fire – call 119

Your insurer should have a 24-hour emergency number as well.

• United States: +86 10 8531 3000
• United Kingdom: +86 10 5192 4000
• India: +86 10 8531 2500
• Canada: +86 10 5139 4000
• Australia: +86 10 5140 4111
• Singapore: +86 10 6532 1115
• Indonesia: +86 10 6532 5486
• Germany: +86 10 8532 9000

You can look up your country’s embassy or consulate in China here .

FAQ about travel insurance for China

Is travel insurance required for china.

No, it’s not required to enter China. However, it’s recommended if you want to avoid paying potentially huge medical bills if something bad were to happen.

Why would I need travel insurance for China?

It’s worth getting travel insurance for China in case you get sick or injured while you’re there. A suitable insurance plan can cover big medical expenses if you end up in a Chinese hospital and require care. If you don’t have travel insurance and something happens to you, then you could be up for significant out-of-pocket costs, which you may have to pay upfront.

What’s China’s medical system like?

China has an advanced medical and hospital system, despite the fact that it’s still classed as a developing country. Medical facilities in the big cities like Beijing and Shanghai are better than those in smaller towns.

Is China a Schengen country?

No, China isn’t part of the Schengen area. This means if you’re traveling to Europe on a Schengen visa (with Schengen travel insurance) and China is included on the trip, then you wouldn’t be covered in China unless you took out separate insurance.

Can I take out Beijing travel insurance?

Not specifically. Your travel insurance plan would cover all of China, not just Beijing. This is actually beneficial as you make take trips to other cities in the country.

The China travel insurance information on this page is a brief summary only and does not take into account your individual circumstances. Please carefully read your policy wording for a full description of coverage, terms, conditions and exclusions. Coverage may not be available in your jurisdiction.

TRAVEL INSURANCE FOR CHINA

Get the peace of mind you need in China with VisitorsCoverage.

Main image credit: Humphery on Shutterstock.

Commercial relationship disclosure: The Helpful Panda has commercial arrangements with organizations that may appear on this page, such as affiliate links. See our terms for more info.

Mike Cairnduff

Mike has lived and worked in China, and has traveled extensively across the country. He loves Chinese food and has a keen interest in Chinese culture. You can follow him on X and LinkedIn .

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Travel Insurance for a China Vacation (2024)

If you’re planning a trip to China, having the best travel insurance will give you peace of mind.

in under 2 minutes

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

When planning a trip to China, travel insurance is essential. After spending thousands of dollars on an overseas trip, the last thing you want is to lose your investment due to a change of plans or inclement weather.

The best travel insurance plans will help you recoup losses from delayed and canceled flights, cover medical expenses and reimburse you for lost personal belongings. Doing so will give you peace of mind that you are fully covered should you need emergency assistance on your trip.

Compare China Travel Insurance Companies

Before selecting travel insurance for your upcoming trip to China, compare costs and coverage across top providers in the table below

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Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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Do I Need Travel Insurance for China?

Travel insurance is not mandatory to enter China , but traveling uninsured poses a significant risk. No matter how you spend your time in China, you should have a travel insurance plan that will provide coverage for delayed or canceled flights and other concerns.

Mainland China is a popular vacation destination for travelers looking for adventure. Activities like hiking the Great Wall of China, seeing the terracotta warriors and exploring the Forbidden City will excite the culture-inclined. Foodies can enjoy delicacies like Peking duck, Chinese Hot Pot and traditional Char Sui. Meanwhile, cities like Shanghai, Guangzhou and Beijing offer a metropolitan escape.

Your trip to China could be canceled due to a disease outbreak, or you could require medical coverage if you become ill during your trip. Likewise, U.S. exit bans can be enforced without warning, which could leave you stranded if you don’t have insurance coverage.

The following sections will tell you about the different types of coverage you can purchase when traveling to China and the benefits that they offer.

Cancel for Any Reason Coverage

Cancel for any reason coverage (CFAR) is typically an add-on provided by most insurance companies. It will allow you to claim back any pre-booked expenses for your trip if you need to cancel for a reason that is not covered in basic travel insurance plans.

For a China trip, you might want CFAR to cover the following:

• COVID-19 concerns, should restrictions change
• Safety risks, such as natural disasters or political unrest like the Hong Kong demonstrations
• Pre-existing medical conditions (standard medical coverage will often have exclusions for pre-existing conditions should you choose to cancel your trip)
• Personal and professional obligations that mean you can no longer travel to China
• Travel delays affecting your planned trip

Be aware that CFAR often needs to be purchased two weeks before your travel date, and to be reimbursed you will need to cancel your trip 48 hours prior to your departure date. Always check your travel insurance policy and contact your travel insurance company, as they will have different restrictions.

Gear Theft Protection

Gear theft protection covers valuables like laptops and cameras if they are damaged or stolen on your trip. It is usually included in travel insurance plans up to a certain amount, but this may not fully cover the cost of your belongings should they be damaged.

Consider what items you will take on your trip before you purchase travel insurance. You may want to insure expensive gadgets individually. Consider leaving certain valuables at home.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance will cover you should you find yourself in need of emergency medical care. Chinese healthcare can be expensive — the best treatment is available from private hospitals, so having medical coverage protects you from paying treatment costs out of pocket.

You may also find yourself in need of emergency transport to a medical center. While this won’t be too difficult in cities like Chengdu and Xi’an, this could cost significantly more or take longer in a rural area.

Travel insurance plans can have exclusions regarding the medical treatment of pre-existing conditions. However, some travel insurance companies will provide specialized coverage, so it is worth shopping around.

Emergency medical evacuation involves returning travelers to their home country for medical treatment if they cannot receive it in China. Having health insurance will cover these costs, and most policies will include medical repatriation in the insurance plan if you pass away while abroad.

Rental Car Protection

Car rental in China can be a challenge. China does not recognize foreign licenses, but if you plan to rent a car, you can apply for a temporary provisional license for your stay. You will need a valid visa in order to be eligible for car rental as well.

Rental car protection can be added to your travel insurance plan, or you may be able to purchase extra coverage from your rental car provider.

Trip Cancellation Insurance

With any trip, there is a chance that things won’t go as planned. In this event, having travel cancellation and trip interruption insurance will protect you from sunken costs should you need to cancel your trip.

Trip cancellation insurance is included within most travel insurance plans, but they are subject to exclusions which can vary depending on your insurance provider and chosen policy. You should check with your credit card company, as they may offer this coverage if you purchase your airline tickets with them.

Valid reasons for trip cancellation typically include:

• Death of traveler(s) or family members
• Illness or injury preventing travel
• Military deployment
• Subpoena to appear in court
• Other legal responsibilities that prevent you from traveling

Trip cancellation will typically be included in a policy up to a certain amount. It is worth checking multiple insurance providers to see how much you can be reimbursed.

How Much Does China Travel Insurance Cost?

The cost of travel insurance will vary depending on the individuals traveling. Cheaper travel insurance options will provide less cancellation and personal effects reimbursement, whereas higher-end insurance provides more robust coverage in all categories.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to China. The below quotes are for a 30-year-old traveler from Florida, traveling to China for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Overall, insurance plans with higher costs will offer more medical coverage and reimbursement for your belongings. Most providers will offer 100% of your trip cost in their cancellation coverage, but premium plans will reimburse you for much more. This can be seen in the Explorer Plan from World Nomads , which offers up to $10,000 in cancellation coverage, whereas others will only reimburse the total trip cost.

How Do I Get Travel Insurance for China?

The first step when you buy travel insurance for a China trip is to compare policies from multiple providers. Consider companies you have used previously, as you may be eligible for rewards or extra add-ons.

If you are planning multiple trips, it could be worth getting multi-trip insurance, also called annual travel insurance , which covers all trips you take for one year. This is also applicable if you are stopping in nearby countries like Thailand and want more comprehensive coverage.

Many insurance companies will have an online tool to get a quote for your insurance plan. Be sure to compare coverage for all aspects of your trip. For example, injuries from certain sports or activities may not be included in your medical coverage.

Once you find a quote that suits your budget and needs, you can usually purchase it online. Be sure to keep a printed copy with you when you travel should you need to provide your insurance details.

China Safety Tips

While China’s top procuratorate says that violent crime rates have dropped in recent years , the country does have significant risks that should be considered when traveling. The U.S. State Department has issued a Level 3 travel advisory for China , highlighting arbitrary enforcement of laws and wrongful detentions as reasons to reconsider travel. Travelers should also anticipate petty crimes like pickpocketing in crowded areas. Be aware that the quality of health care may also be lower than in the U.S., even in major cities, and the State Department advises that English-speaking travelers frequently encounter difficulties .

Crime and Safety

Though uncommon, tourists can expect to be targeted by pickpockets and should remain vigilant when traveling through busy areas. Keep all personal belongings on your person and never leave your valuables where someone could easily take them. You may also be targeted by scams in markets selling counterfeit goods, so always make purchases carefully.

Traveling through China is not without its risks, and travelers from the U.S. are particularly vulnerable due to short-notice travel bans and wrongful detentions. Many officials will only speak Mandarin and may limit your contact with the U.S. Embassy, so have their contact details readily available.

You could also be detained for sending private messages that the Chinese government considers critical of them. Similarly, taking part in demonstrations or protests is considered illegal, so tourists should remain clear of these activities.

Day Trips, Tours and Excursions

China has many sights that you would be hard-pressed to fit into one trip. When taking part in excursions or tours, you should choose guided tours over self-led ones, as these are much safer and also tend to provide a better and more insightful experience.

Guides for places like the Forbidden City and the Great Wall of China will be able to tell you more information on your tour and will be better equipped to handle crowds and keep you safe. Be sure to book with trusted and established guides to avoid scams.

Public transport is generally a safe option when taking day trips within China, but be mindful of illegal taxis as they are not licensed and may overcharge you.

COVID-19 is still a concern in China, and the U.S. Embassy in China posts updated requirements for travelers. As of May 2023, travelers may choose to take antigen tests, rather than nucleic tests like PCR, within 48 hours of boarding. While airlines won’t check pre-departure testing results, they will need to declare their negative test result to Chinese Customs.

Face coverings remain mandatory on public transport, and other COVID guidelines should be adhered to while in the country. Though not required, it is recommended that you travel with your COVID-19 vaccination documents, as well as other vaccination papers should you require medical treatment.

Is Travel Insurance for a China Vacation Worth It?

Travel insurance coverage may not be mandatory when traveling to China, but most travelers will find it to be a valuable purchase. Coverage for cancellations and baggage delays gives you a safety net for your flights, and travel medical insurance can help you pay for any treatment you might need while you are abroad.

Travel insurance is worthwhile since it alleviates some of the financial risks associated with traveling to China and will allow you to enjoy your trip with peace of mind.

Frequently Asked Questions About Travel Insurance in China

How much compensation am i entitled to if i cancel my trip.

Compensation will vary depending on your policy, but you will be reimbursed for all non-refundable deposits made before the trip commencement date. This could include your flights, accommodation plus other expenses like rental cars or extra baggage allowance.

Learn more: How To Claim Compensation for Delayed and Canceled Flights

Is healthcare free in China?

There is free public healthcare in China for permanent residents, but this does not extend to foreign travelers. In fact, cash payment for services may even be required up-front . If you are planning an extended trip, it is worth having medical coverage as medical bills can be expensive.

What documents are required for travel to China?

When traveling to China you will need a valid visa and passport within six months of expiration. These should be kept on you at all times should you find yourself in an emergency situation, as these are required by local regulations.

Will travel insurance cover me if I get coronavirus?

You will be covered for medical expenses incurred from COVID-19 as long as your chosen travel insurance has COVID-19 inclusions. This is highly recommended for travel to China and should be selected as an add-on if not covered in the basic plan.

If you have questions about this page, please reach out to our editors at [email protected] .

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Airline Travel Insurance vs. Independent Travel Insurance: Which Is Right for You?

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Airline travel insurance

Independent travel insurance, which one is right for you.

You’ve planned your travel, found a flight, and can’t wait to book the trip on the airline’s website. But right before you hit the payment button, you have one seemingly simple question to answer: Do you want to add travel insurance?

It’s a booking option that has stumped many a traveler. You may think you need it, but what does that airline insurance even cover? And would it be better to purchase separate travel insurance from an independent company instead? Here, we’ll help you break down that decision and figure out which one is right for you.

For starters, every airline’s travel protection coverage is different. Some airlines, like Southwest, don’t offer any sort of trip protection for purchase with regular flights, but they do have an insurance option for Southwest Vacations.

United, on the other hand, offers full travel insurance through a partnership with AIG, while British Airways offers protection with Allianz. So be aware that while you may purchase insurance through the airline, your policy is likely underwritten by a third-party insurer.

Airlines offer a wide variety of travel insurance policies with varying benefits, so ensure you read the fine print to understand your specific coverage. Here are some examples:

Trip cancellation or interruption, meaning you’ll get a refund of whatever you have paid (up to a certain amount) if you have to cancel or postpone your trip due to a covered reason.

Reimbursement for lost or delayed baggage.

Emergency medical coverage and/or assistance while traveling.

And coverage isn’t the only thing that can vary; so does price. One airline might sell a policy for less than $15, while others may be more than five times that amount. This is another instance in which it’s critical to compare the details of what you’re actually getting. Here are two example policies we found for sale via United and Alaska:

A few cons to consider

One potential downside of purchasing travel insurance through your airline is that you only have the option of that airline’s partner provider — which may not be your first choice, or may not offer the coverage you want or need.

United, for example, offers protection through AIG, which covers 100% of your trip cost if you have to cancel travel plans. British Airways, on the other hand, offers a plan through Allianz that only covers up to $1,000 for trip cancellation and protection (often less than the cost of a single international flight).

When booking travel protection or insurance through an airline, you usually won’t have the option to fully customize your plan. For example, if you’ll be participating in activities that aren’t approved by some plans (like bouldering, ballooning or even some volunteer work), you may not be able to upgrade to a plan that covers riskier activities.

However, if you’re not expecting to need any special coverage (though some would argue that you never expect to need it), clicking that box on the checkout page while booking your flight is often an easy and inexpensive option. Just make sure to read the fine print so you know exactly what’s covered and what’s not to avoid disappointment if you ever have to make a claim.

» Learn more: What to do if you get sick while traveling overseas

Independent travel insurance, on the other hand, gives you the ability to shop around and choose a plan that’s right for you.

Using a comparison portal like SquareMouth (a NerdWallet partner) or an independent insurance agent will ensure you get coverage tailored to your trip and will allow you to select plans based on price or features.

For example, if packing important or valuable materials in your checked luggage, you may want a plan that has a higher baggage loss reimbursement. If traveling to a country where there’s a higher risk of contracting malaria or another disease, you may want insurance that offers more overseas medical coverage or medical evacuation. And hand-selecting the exact coverage you want or need is something you can only do if you shop around outside any coverage your airline offers.

» Learn more: How to find the best travel insurance

Which option is right for you comes down to what type of coverage you need and how complex your travel plans are. If you’re taking a quick domestic trip to visit friends and family in a familiar destination and don’t plan to participate in any risky activities, airline-provided travel insurance may be enough protection for you.

On the other hand, if you’re planning the trip of a lifetime with multiple destinations, opportunities for volunteer work, participation in what some companies consider dangerous activities or travel to regions with limited medical care and higher chances of getting sick, it may be wise to consider independent insurance.

Remember that if your trip involves multiple airlines, car rental companies, accommodations and activities, it may be easier to deal with one independent insurance company that will cover your whole trip.

» Learn more: The majority of Americans plan to travel in 2022

Also, you may already have a credit card that comes with some travel protections if you use the card to purchase your trip. Check the fine print to see what protections your card might offer.

Whatever you choose, travel safe.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

8 Reasons You Need Travel Insurance for China

China is a relatively safe country to travel. But it’s also full of adventure, from scenic hikes to interesting street foods. So travel insurance for China is a must.

The sound of sizzling woks and the smell of chili oil emanating from the streets of China. They will undoubtedly make your mouth water. But after devouring some pork dumplings, things may very well take a turn for the worse: an achy, grumbling stomach with waves of nausea that’ll send you straight to the hospital. And, if that happens, you’ll wish you had travel insurance in China.

Travel insurance will cover both your medical bills and protect you against other incidents that could happen in China. The truth is, you never know what could happen to you while traveling. You could hurt yourself hiking up the Great Wall. Or someone could snatch your backpack while your nose is in your camera at the top.

Travel insurance is, by far, the most important thing to take with you on your trip.

Even the best travel insurance only costs a fraction of your total trip. So there’s no reason not to protect yourself by purchasing a plan. In reality, you really can’t afford to travel without it.

What is Travel Insurance?

To put it simply, travel insurance covers the costs of unexpected incidents that happen while you’re traveling.

A great travel insurance policy should include the following coverage:

• Trip cancellation and trip interruption
• Medical emergencies and evacuations
• Stolen, damaged or lost baggage and property

You may already have health insurance in your home country. But your policy probably won’t cover you while you’re in China. For this reason alone, it’s vital to purchase a travel insurance plan.

It’s also important to note that travel insurance covers more than just your health. It’s there to protect you against any hiccups during your trip.

8 Reasons Why You Need Travel Insurance in China

There’s no reason not to purchase a travel insurance plan for China. In fact, I would go so far as to say that travel insurance is worth it and is an absolute necessity when you travel. But here are specific examples of why you should.

Pedestrians in China Do Not Have the Right of Way

Many drivers don’t pay attention. Some disobey traffic signs, frequently running through red lights, turning corners without looking and speeding. This all makes crossing the street a dangerous task for you.

Seatbelts Are Scarce in China

It’s mandatory to wear your seatbelt in the car. But you might not find them in taxis or public buses. In fact, Chinese drivers and passengers rarely buckle their seatbelts at all. Without a seatbelt, you increase your risk of serious injury.

Subway Theft Is Too Easy in China

Subway stations during rush hour can be chaotically overcrowded. With everyone pushing to get on the train, you might not feel someone’s hand slipping your wallet out of your back pocket.

The Water in China Is Questionable at Best

The tap water in China may look clear. But it’s almost always undrinkable. Water quality is not well regulated. And it can contain harmful bacteria and materials. As a result, even the smallest of sips could make you sick.

Chinese Street Food Might Not Sit Well With You

China is known for its endless supply of cheap street foods. However, you don’t know how long those meat skewers or egg tarts have been sitting in the sun. If they aren’t cooked properly, you could get an upset stomach or even food poisoning.

Thieves Could Snatch Your Transportation in China

Bicycles may be a great way to navigate the city. But they’re also prime targets for thieves. Experienced thieves can easily pick the locks or take off with your individual bike parts.

The Air Quality Is Alarmingly Low in China

The air pollution in Beijing can be extremely hazardous to your health. You don’t have to spend extended periods in China to feel its effects. Even if you’re normally healthy, having asthma or other respiratory problems could actually land you in the hospital.

Chinese Airports Are Mayhem

China’s airports are notorious for long delays and even canceled flights. While delayed flights are inconvenient, they could also result in missed connections and lost baggage. This means more money out of your pocket.

What Does Travel Insurance in China Cover?

Travel Insurance policies come in many shapes and sizes. However, the best travel insurance for China should cover the following events.

Trip Cancellation

If for some reason, you are unable to go on your trip to China, the trip cancellation insurance will reimburse any non-refundable costs. The amount of trip cancellation coverage differs between companies and policies. However, you should purchase a travel insurance plan covers the total cost of your trip.

Keep in mind that your reason for canceling needs to be outlined by the insurance company. You can’t just file a travel insurance claim if you found a better deal on a hotel, or if want to take the later flight home.

Some of the most common reasons include illness, the death of a family member and natural disasters.

Trip Interruption

Unfortunately, incidents can happen while you’re already traveling through China. If you have to return home due to an illness or family emergency, travel insurance will cover your costs.

Similar to trip cancellation coverage, a great trip interruption plan should cover the entire cost of your trip.

Medical Emergencies

If you get into an accident or need to see a doctor abroad, medical emergency insurance will cover the cost of your medical bills.

At the very least, you should purchase $100,000 of medical emergency coverage. This amount should cover you for everything from minor doctor visits to severe injuries.

Medical Evacuation and Repatriation

If your illness or injury becomes severe, the hospital in China may not be equipped to handle the emergency. Then you’ll need to be flown back home. In this case, you’ll be thankful to have medical evacuation and repatriation coverage.

Being airlifted to a hospital or flown back home from China is extremely expensive. It can cost thousands of dollars. For this reason, you should have at least $100,000 of evacuation and repatriation coverage.

Lost, Stolen or Damaged Property

Maybe your airlines lost your luggage during your connection from Tokyo. Or perhaps your wallet was nabbed while you were on the train. Either way, your travel insurance should cover the costs.

While you can’t claim items that were left unattended, you can get refunded for stolen or damaged belongings.

The Best Travel Insurance for China

World nomads : the best overall travel insurance for china.

There’s a reason why World Nomads consistently tops our list for best travel insurance. It’s specifically made for travelers and globetrotters. World Nomads is affordable and comprehensive travel insurance for your trip to China.

Even their standard plan comes with extensive coverage. The plan includes $100,000 emergency medical coverage, $300,000 medical evacuation and repatriation, and $1,000 of lost or stolen property.

Unlike other travel insurance companies, World Nomads also covers over 300 sports and activities. That means you’re protected whether you plan to hike the Great Wall or dive the reefs of Hainan.

World Nomads a great choice of travel insurance for China. But it’s also perfect for wherever else you want to travel in the world.

Click here to read our full World Nomads travel insurance review or click the button below to get a quote.

Allianz : The Best China Travel Insurance for Seniors

Exploring the far east is an unforgettable experience for travelers of all ages. Unfortunately, there are very few travel insurance companies that cover senior travelers. That’s where Allianz steps in.

Not only is Allianz one of the best names in the biz, but they also offer coverage for travelers of every age. That’s right. There’s no age limit for purchasing an Allianz insurance to travel to China.

Although Allianz offers multiple plans, seniors should invest in the premier policy. With this plan, you’ll get $50,000 medical emergency coverage and a generous $1,000,000 for emergency evacuation.

Click here to read our full Allianz Travel Insurance review or click the button below to get a quote.

InsureMyEquipment : The Best Travel Insurance for Camera Equipment

If you want to photograph the majestic landscapes and temples in China, then remember to purchase travel insurance for your camera equipment. InsureMyEquipment does not offer medical or trip coverage. But it will cover any damage or theft to your valuable electronics.

Most travel insurance policies only reimburse your lost or damaged property up to a certain amount. Unfortunately, this may only cover a small fraction of the total cost of your camera gear.

However, InsureMyEquipment offers specific policies for your camera and other equipment.

How to File a Claim with Your Travel Insurance if Something Goes Wrong in China

Hopefully, your trip to China will go smoothly. If it doesn’t, it’s important that you know how to file a claim.

Keep in mind that every travel insurance company has a slightly different filing process. In general, however, keep in mind the following guidelines.

Note: If it is a serious medical issue, call your travel insurance company immediately.

There is usually a 24-hour assistance hotline for such cases. By calling ahead, you can get information on what hospital is best to visit. Sometimes, you can also get advanced payment from the insurance company. That way, you won’t have to cover everything out of pocket up front.

Take Precautions Before You Travel

Before you leave for your trip, prepare for the worst and hope for the best.

First, store your travel insurance information somewhere accessible. If you didn’t receive a card in the mail, you should be able to print one online. Make sure the card includes your full name and policy number.

Second, fill out the information in your passport. You should typically include your full name, address and phone number. You should also include details of an emergency contact. Always make a copy of your passport information to carry instead of the real thing. This way you can lock up your passport when you don’t need it.

And finally, research the in-network providers in China that accept your travel insurance. If an emergency arises, you’ll have a list of hospitals that you can go to if needed.

Call the Insurance Provider’s Hotline

Good travel insurance in China should have a 24-hour customer service line. To start the claim filing process, call your travel insurance company to inform them of your situation. In fact, the travel insurance representative can also assist with finding the nearest hospital or police station.

In dire situations, go straight to the hospital or local authorities in China. You can always call your insurance provider after.

Document the Incident or Accident with Police and/or Medical Reports

Travel insurance companies require a detailed paper trail. It’s important to collect and save any documentation, receipts or written notices. This way you can submit them to the travel insurance company.

For example, let’s say you need to cancel your trip due to illness. This means you’ll need to submit your trip itinerary and cost breakdown of the nonrefundable flights and hotels. You’ll also need a medical certificate saying you are unable to travel.

Remember, it’s your responsibility to gather the documents from the airline companies, the police or the hospital.

File the Travel Insurance Claim

The process for filing a claim with your insurance provider is easier than ever. Many companies let you submit your claim directly from their website online.

It’s important that you submit your claim to your China travel insurance company quickly. Insurance companies have different timelines for filing claims. But most need to be submitted between 10 and 60 days.

Get Reimbursed

After you’ve filed your claim, you’ll need to wait for the travel insurance company to approve the reimbursement. This can take anywhere from a few days to several weeks.

It’s best to file early. And it’s ideal to send as much information as possible to avoid complications. Of course, you have a higher chance of getting approved if you submit your claim on time and with the necessary documentation.

China is a beautiful and exhilarating country. It has something for every type of traveler. After all, it’s huge. With travel insurance and, okay, a lot of time, you can check off everything you want to do.

It’s important to realize that travel insurance isn’t just for China, however. No matter where you travel in the world, you should always go with travel insurance.

China Travel Insurance FAQs

Do i need travel insurance in china.

Yes, you should definitely have travel insurance to travel to China.

Do you need insurance to enter China?

Travel insurance isn’t mandatory to enter China, but it is definitely a good idea.

Do you need health insurance to go to China?

You should buy a good travel medical insurance plan to go to China.

Can US citizens travel to China?

Yes, US citizens can travel to China.

Is it OK to not have travel insurance?

It is never a good idea to not have travel insurance, even if you’ve gotten away with it before.

Tara Burgess

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How to Choose Your Travel Insurance for China (and why you need it)

Note : If you are only interested on getting a free quotation for a travel insurance, then we recommend World Nomads (click here to get your free quotation) .

Travel Insurance for China – Index

Why do i need an health insurance when i travel to china, hospitals in china, privacy at the hospital in china, what insurance do we recommend, what should a good insurance cover, travel insurance for people over the age of 65, what should i do when i need medical assistance, frequently asked questions.

When I decided to go to China for the first time, finding an affordable and comprehensive health insurance was one of my first concerns, as I knew that, while in my country I was covered by the welfare system, in China I was on my own. This also applies to short-term travelers: unless you have international insurance, you won’t be covered while traveling around Asia.

Health insurance isn’t compulsory when you travel, so you can still go to Asia without any insurance and hope to never get sick, have an accident, lose your luggage, or having your flight canceled by a storm.

However, I won’t do it myself. It’s too risky. Especially when you consider that a good travel insurance only costs you a couple of USD per day.

Chinese hospitals are business-oriented and they won’t help you unless you can pay cash in advance or they can verify that you’re covered by adequate medical insurance.

I repeat, if you can’t pay nobody will help you. Also, international hospitals in China (where doctors and nurses can speak English) are often more expensive than hospitals in the U.S.

I’ve heard plenty of horror stories of western tourists or expats that were left to die or lose a foot in an Asian hospital because, after being a victim of an accident or bad food poisoning, they didn’t have insurance or enough cash to pay for the emergency treatments they needed. Can you afford to pay 5,000 or 10,000 USD cash?

If you can’t, then I suggest you get a quality travel medical insurance before going to China, Thailand, or wherever you are going.

In China there are mainly two kinds of hospitals:

1) The public hospitals where nobody speaks English, and where you’ll have to wait for ages, you won’t have any privacy, and where the hygienic conditions are somewhat dubious (there are exceptions but in this case, the prices are usually higher).

2) The international hospitals , where doctors and nurses can speak English, the service is faster, you’ll get privacy conditions similar to the ones that you find in the west and the overall hygienic conditions are usually better.

If you don’t speak Mandarin, you want to end up in an international hospital, especially if you are seriously sick. Because of this, when in 2010 my former boss explained to me that I was going to get an insurance that was going to only cover my expenses in a public hospital, I chose to purchase private insurance by myself.

I took the above pic in one of the best public hospitals in Hangzhou (a metropolis neighboring Shanghai) in 2011: my girlfriend was discussing her case with a doctor and several patients gathered around her looking at her problem and even giving advice to the doctors regarding the treatment. I was amazed by the complete lack of privacy. Chinese people aren’t bad. They just don’t know what the word “privacy” means.

For traveling o short-term stays, we recommend World Nomads because it’s quite flexible (you can choose the duration of your policy), it covers you almost worldwide (so you won’t have to subscribe to a new policy if you live in China and decide to take a holiday in Thailand), it can easily be extended online, you can buy it online even if you have already left your country, its price is quite cheap for the value it offers, it gets consistently good reviews and it comes recommended by Lonely Planet, Rough Guides and many more.

Also, besides covering you in the case of sickness and injuries, it provides emergency medical evacuation, it covers you if you have to cancel your trip due to unforeseeable events outside of your control, and it covers your gear (laptop, smartphone, camera, etc) if it gets stolen or damaged whilst traveling.

However, note that if you’re going to move to China – or another Asian country – and stay there for a long period of time, let’s say more than 6 months, you may want to check other (more expensive) insurance companies ( click here to learn more ). The reason is that World Nomads, if you have a severe health problem, will send you back to the country where you enjoy national health coverage (for instance to the UK, if you’re a UK resident and are covered by NHS).

Thus, if you’re giving up your coverage in your former country of residence because you’re moving out for long periods of time, World Nomads may not be the most appropriate choice.

In my opinion, the basic requirement you should have is that your insurance covers you for medical expenses, hospitalization, and treatments, medicines, and emergency transport or repatriation.

Another important point is to make sure that the insurance covers you for personal liability. This means that if you hurt somebody, you can settle for monetary compensation instead of going to jail. You don’t want to pay the compensation yourself, do you?

Also, as already said, there are a lot of nice bonuses you can get such as trip cancellation or interruption reimbursement, extreme sports coverages, stolen or lost personal effects reimbursement, and so on.

Regardless of the insurance plan you choose, before purchasing it, I do recommend that you check by yourself what your policy will cover and what situations will be excluded by the coverage.

Just to give some examples, if you’re already sick before purchasing the insurance, you won’t be covered for that particular sickness; and if you get drunk, start to punch people on the street, and end up in jail, you’ll be left on your own as well. Just read the policy before buying anything!

Click here to check the prices and benefits of World Nomads health insurance.

If you’re aged 65 or above, it can be difficult to find an insurance company that’s willing to cover you. However, there are a few options available in the market, and where the International Medical Group (IMG) is one of the biggest companies.

The company was founded by Dr. Ian Clarke who is a missionary, physician, philanthropist, and entrepreneur, born and educated in Northern Ireland. He has resided in Uganda since 1988 where he started the company and has run it ever since.

Let’s review one of their most popular options for senior travelers and that can be used if you’re a US citizen or permanent resident. If you have any other recommendations, feel free to contact us or write a comment below.

GlobeHopper Seniors Single Trip travel insurance

As mentioned, GlobeHopper Senior travel insurance is provided by IMG and it’s suitable for US citizens and US permanent residents who are aged 65 or above.

Worth mentioning is that the insurance offers flexible protection to travelers who purchase an annual plan to cover multiple trips over a 12-month period. Each trip can be a maximum of 30 days during this period, this is also something you should have in mind before buying the insurance.

The plan starts from as little as USD 114, depending on the deductible and max coverage option, and can be used for persons who are 65. The eligibility and requirements to get this insurance is listed below:

• The insurance is only valid for medical expenses outside the US
• You have to be a US-citizen or US permanent residents
• You have to be qualified for Medicare and enrolled in Medicare Parts A & B
• Enrolled in a Medigap Plan or Medicare Advantage Plan
• The plan is secondary to Medicare, a Medigap and/or a Medicare Advantage Plan (Medicare supplement insurance)

The features, on the other hand, are beneficial and provides you the following:

• Maximum limits starts at USD 50,000 – USD 1,000,000
• Only one deductible within each 12 months coverage period
• No maximum age limit at all!
• You get reimbursed for both emergency and non – emergency care expenses
• Gives immediate access to care and reimbursement for medical expenses
• Ability to choose a hospital or doctor or your choice
• No coinsurance
• Offers pre-existing conditions coverage

The insurance is used for:

• Vacations / Holidays
• Visitors / Immigrants
• Employers / Business Travelers

IMG also has other travel insurance options for seniors who wish to travel to China. For more information, you can request a quote by clicking the link below.

[Disclaimer: We don’t work for an insurance company and these are just general guidelines. You should always talk with an operator of the insurance company from whom you purchased a policy to be sure of what to do].

First of all, I suggest you have your insurance provider’s emergency phone number and policy number (you’ll get the info as soon as you purchase a health insurance plan) saved on your phone.

If you can call your insurance company yourself – for instance, in the case you’re the victim of food poisoning – then do so before going to the hospital because, if you go to the “wrong” hospital, the insurance may not cover your expenses. Also, some hospitals will only accept cash.

It’s not a big deal: just call an operator and tell them your name, policy number, the nature of your problem, and any other useful information and they will redirect you to the nearest hospital that accepts coverage by your insurance company.

You should also keep this information in your wallet in case you can’t call yourself (for instance in case of a bad incident that lets you faint or can’t speak).

Download, fill out and print this simple form

We prepared a simple file to fill out, print, and keep in the wallet to always have the necessary information available.

The goal is twofold:

• When you show up at a clinic or hospital, you will have all the necessary information in a single file
• If you have a serious accident and you are not able to communicate, the person that will help you will most luckily find and use the information to help you

Click here to download the Word version (or Open Office), which you can fill out on your pc before printing it.

Click here to download the PDF version (if you prefer, print and fill it out by hand).

Here’s how to fill out the form:

• Information for taxi drivers : Note that depending on your health insurance policy, you might not have access to all hospitals in your city. So I recommend that you discuss this with your insurance company before choosing a hospital (or risk them not reimbursing you);
• Personal data : Insert your name, date of birth, passport and visa number, address, and telephone number in Asia. They’ll ask you for this during the hospital check-in, so you should have it handy;

Emergency contact : Name and telephone number of the person to contact in the event of an emergency. Note that putting your mother’s name who lives in another part of the world won’t help you much. Insert the name of a person you trust who lives in your city and if possible, speaks the language of the country you’re in;

If you’ve just moved to Asia and know almost no one, you could put the name and number of your boss, teacher, or anyone you think could help you in case there’s a need. I recommend that you ask for their permission before putting someone down as your emergency contact;

• Your insurance company’s information : At a minimum, you have to enter the name of the company, your policy number, and the number to call in case of an emergency. In any case, I recommend that you contact your insurance company to ask them what information you should insert;
• Your consulate information : If something really serious happens, it could be useful to have the emergency number of your consulate so that they can advise your family and, when possible, help you;
• Language : As you’ll see the form contains two pages, one in English and one in Chinese. If you’re in China, I suggest that you fill out and print them both, front and back.

Once you have filled out and printed the form, keep it in your wallet, purse, or wherever is most convenient for you, together with a copy of your passport and insurance policy.

We additionally recommend that you don’t travel around without a telephone and make sure that it’s connected to the internet (4G, for example), so that you can use the maps , etc.

To conclude, we always suggest that you carry a little cash with you (even just for a taxi).

The price is usually the same unless you’re traveling to the United States (those traveling to the United States pay more since American hospitals are the most expensive on the planet).

Moreover we recommend keeping a copy on your smartphone, in the form of a PDF document or screenshot.

*For Canadian and US residents, unfortunately, due to financial services laws, World Nomads cannot provide a discount. This promotional code cannot be used with any other discount offer, including World Nomads Members’ discount for travel insurance policyholders.

Photo Credits: Photo by Pixabay on Pexels

About The Author

Sapore di Cina

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(1)Successful purchase of this insurance plan is subject to the generation of the policy.

(2)Please read this page and applicable insurance clauses and pay special attention to "Exclusions" and "Definitions" in the clauses before the application.

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2)Customer service hotline：

CASIR：95539；

China Southern Airlines Insurance Brokers Co., Ltd.：4006380380；

Ping An Property & Casualty has 41 branches in Beijing, Tianjin, Shandong, Sichuan, Guangdong and Jiangsu etc.，Customer service line：95511；

Online self-service insurance claim: http://b2c.csair.com/B2C40/modules/services/insurance/apply.html

3) Insured Period

The insurance period of this insurance contract is subject to the commencement and termination dates as stated in the policy.

During the insurance period, the insurer provides coverage from the time when the insured leaves the PRC to the time when the insured returns to the PRC.

2. Insurance coverage and features

(1)Overseas Travel Accident Insurance

During the period of insurance, if the Insured suffers an accident during overseas travel and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the death benefit according to the Accident Sum Insured specified in the policy and the Insurer’s liability for the Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident and suffers disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (standard code JR/T0083-2013, hereinafter referred to as “Assessment Standards of Injury and Disability”) within 180 days due to the occurrence of such accident, the Insurer shall pay injury and disability benefit by multiplying the Accident Sum Insured specified in the policy by the corresponding percentage in Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the injury and disability benefit according to the Insured's physical condition examination on the 180th day.

(2) Traffic Accidental Death Double Indemnity Insurance

In case the Insured dies within 180 days because of a traffic accident occurring during the Insurance Period when it is taking a public vehicle as a passenger, in addition to the Accidental Death Benefit paid under the main insurance, the Insurer will pay a “Traffic Accidental Death Benefit” to the beneficiary, which is the same amount as Accident Death Benefit.

(3) Hotel Accommodation Accident Insurance

During the period of insurance, if the Insured suffers an accident occurred within the hotel establishments range and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the Death Benefit according to the Accident Sum Insured and the Insurer’s liability for such Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident occurred within the hotel establishments range and suffers injury and disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (Industry Standard)” (hereinafter referred to as “Assessment Standards of Injury and Disability”)  within 180 days due to the occurrence of such accident, the Insurer shall pay the Injury and Disability Benefit by multiplying the Accident Sum Insured by the corresponding percentage in the Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the Injury and Disability Benefit according to the Insured's physical condition examination on the 180th day

(4) Aviation Accident Insurance

During the period of insurance, if the Insured suffers an accident during taking passenger aircraft and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the death benefit according to the Accident Sum Insured specified in the policy and the Insurer’s liability for the Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident during taking passenger aircraft and suffers disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (Industry Standard)” (hereinafter referred to as “Assessment Standards of Injury and Disability”) within 180 days due to the occurrence of such accident, the Insurer shall pay injury and disability benefit by multiplying the Accident Sum Insured specified in the policy by the corresponding percentage in Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the injury and disability benefit according to the Insured's physical condition examination on the 180th day.

(5) Medical Expenses Compensation Insurance

1) Overseas medical expenses benefit due to accidental injury or acute disease

During the period of this Rider, in the event that the Insured suffers any accidental injury or acute disease, once it is confirmed that the Insured needs medical treatment overseas, the Insurer shall indemnify the Insured “overseas medical expenses benefit due to accidental injury” or “Overseas medical expenses benefit due to acute disease” for the actually incurred medical expenses at the rate approved by the local government if the Insured is treated overseas as the needs completed or requested by the attending doctor according to the agreements in this Rider. The amount payable shall not exceed the limit of indemnity stated in the policy.

The aforementioned “medical expenses” include:

A. Hospitalization costs, including surgical fees.

B. Out-patient treatment, doctor diagnosis, prescription costs.

C. Prescription drugs, inspection and testing (including X-ray examination), nursing, medical supplies (such as bandages) and other expenses.

D. Limb auxiliary device (such as crutch, wheelchair) costs (provided that the Insured uses such device for the first time due to the insured event), the compensation for these costs per occurrence shall not exceed the limit of indemnity stated in the policy.

In the event that the Insured is unable to move his body and can not be transported home before the scheduled return trip as a result of accidental injury or sudden acute disease, during which the Insurer shall be liable for overseas medical expenses until the Insured can move. The period during which the Insurer is liable for the overseas medical expenses of the Insured shall not exceed forty-five (45) days from the date of occurrence.

2) Domestic hospitalization benefit due to accidental injury or acute disease

In the event that the Insured still needs to be treated in hospital after being transferred to the People's Republic of China, the Insurer shall indemnify the Insured “Domestic hospitalization benefit due to accidental injury” or “Domestic hospitalization benefit due to acute disease” for hospitalization expenses as a result of the same disease or the same accident suffered overseas, actually occurred within the territory of the People's Republic and covered under local social basic medical insurance. The period of indemnity shall be subject to thirty (30) days from the date of being transferred to China.

In the case that the Insured can obtain compensation for medical expenses from the publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, the Insurer shall only liable for the residual part.

In the case that the Insurer has no publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, or has never obtained compensation for medical expenses from the publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, the Insurer shall indemnify the amount insured for reasonable and necessary hospitalization expenses actually paid by the Insured, but shall not exceed twenty percent (20%) of relevant insurance amount under this Rider stated in the policy.

During the period of insurance, the aggregate amount payable by the Insurer under the above Item 1 and 2 shall not exceed of the relevant insurance amount stated in the policy.

3) Accidental dental care services benefit

In the event that the Insured is arranged for any dental care service in order to ease the pain after his/her case of accidental injury during the period of overseas travel, the Insurer shall pay "Accident dental care services benefit" for reasonable and necessary expenses (including first visit and subsequent visit) actually spent simple or temporary fill or repair treatment so as to restore the functions of dentures or succession teeth according to the agreements in this Rider, but shall not exceed the relevant insurance amount stated in the policy.

The Insured shall be liable for the amount by the Insured him/herself within the agreed deductable for each dental care service.

(6) Emergency Medical Assistance Insurance

During the period of insurance, if the Insured suffers an accidental injury or acute illness during the course of oversea travel, he/she is obligated to immediately contact the Insurer’s authorized Assistance Organization through the call center, thus the Assistance Organization and its authorized doctors will provide the following emergency assistances and the Insurer will undertake relevant expenses arising therefrom within the Insurance Amount:

a. Emergency medical transfer and repatriation

In the event that the Insured suffers from an accidental injury or acute illness when travelling overseas (specific information refers to the declaration by the Insured), proceeding to the destination or returning therefrom to China, and receives medical treatment in a hospital, once the authorized doctor confirms that the hospital is unable to provide adequate treatment and the Insured needs further treatment, the Assistance Organization will arrange appropriate means of aid and medical escort team to transfer the Insured to a proper hospital, and repatriate the Insured back to his/her Place of Usual Residence by suitable means of communication and attenders according to the Insured’s status. All of the transfer and repatriation services should be subject to the prior written approval and arrangement of the Assistance Organization and the maximum payment shall not exceed the Insurance Amount specified in the Policy.

b. Body/Cremains Repatriation

If the Insured dies overseas due to an accidental injury or acute illness, the Assistance Organization will arrange to repatriate the Insured’s body or cremains to his/her Place of Usual Residence without violation of the local overseas laws. The Insurer will be liable for the repatriation cost that is subject to the Insurance Amount specified in the Policy.

c. Repatriation of the minor children of the Insured

In the event that any minor children under 16 years of age who are travelling together are unattended due to the accidental injury or acute disease suffered by the Insured, the Assistance Organization will repatriate the minor children to his/her Place of Usual Residence and the Insurer shall be liable for such repatriation cost. When necessary, the Assistance Organization will arrange a eligible escort for the minor children. The Insurer will exert itself to use the original return ticket and will take back the ticket for handling if it is invalid. The maximum payment for such service is RBM 40,000.

d. Burial/ Funeral Abroad Benefit

If the Insured dies overseas due to an accidental injury or acute illness, at request of the Insured’s relative and without violation of the local overseas law, the Assistance Organization or its authorized representative will arrange to bury or encoffin the deceased locally overseas, and the Insurer will undertake relevant funeral costs or the cost of the standard coffin (in case of body) , subject to RBM30,000.  

e. Passionate Visit

If the authorized doctor and the attending doctor both confirm that the Insured’s hospitalisation overseas looks likely to last for more than 7 days (not including 7 days), at request of the Insured and upon the consent of the Assistance Organization, one of the Insured’s adult direct relatives may have a passionate visit trip that shall not exceed 5 days to the Insured’s place of hospitalisation, and the Insurer will undertake the normal economic air ticket or hard sleeper train ticket for such trip and the accommodation fees not exceeding RMB 1500 /day.

f. Delivery of Required Medicine and Medical Equipment

The Insurer will provide the medicine and medical equipment that are short and required by the Insured in case of non-violation of the local laws. The Insurer only undertakes the delivery cost that is subject to RBM 20,000 and the cost of the medicine and medical equipment shall be borne by the Insured himself/herself.

g. Emergent Medical Consultation Service

If Insured feels unwell and needs relevant medical consultation, he/she can call service number to obtain such medical consultation.

(7) Loss of Travel Ticket and Certificate Insurance

During the period of insurance, if the Insured’s travel ticket and certificate (refers to passport, travel traffic ticket and other necessary certificates fir this trip) suffer a loss due to plunder or theft during the oversea travel, the Insurer shall indemnify the Insured for the official charges to obtain a same new certificate and extra reasonable and necessary traffic fee and hotel expense incurred by the Insured for obtaining such same new certificate as per the agreement of this rider, subject to the Insurance Amount specified in the Policy.

(8)Flight delay

a.If the flight that the insured plans to take is delayed by 3 hours or more due to bad weather, natural disasters, mechanical failure, strikes, hijacking or sabotage, temporary protests of other air, maritime workers, terrorist acts, air traffic control or airline overbooking, and the insured does take the flight to the destination, he/she can make a claim. If the flight that the insured plans to take is canceled due to any of the above reasons and the insured is delayed for three hours or more consecutively, the insured can make a claim, provided that the insured takes an alternative flight arranged by CSAir to the destination.

b.Delay time is determined by the following time, whichever is longer: (1) from the scheduled departure time to the actual time of departure, or to the departure time of alternative transportation arranged by the airline; or (2) from the scheduled arrival time to the actual time of arrival time, or to the arrival time of alternative transportation arranged by the airline.

c.Compensation standard: RMB300 for 3-hour delay, RMB100 for additional one-hour delay, the maximum compensation being RMB600.

d.If the insured does not take the original flight or its substitute flight, or claims refund, he/she is allowed to cancel the policy and no insurance payment will occure.

e.If the actual arrival time of the substitute flight arranged by the carrier is earlier than the scheduled arrival time of the original flight of the insured or the insured does not take the earliest substitute flight arranged by the carrier, then no insurance payment will occur.

f.This insurance policy won’t underwrite the flight delay or cancellation caused by the flight seasonal plan adjustment.

g.If the Insured willingly applies for more than one insurances which have the same coverage under different insurances (excluding the insurance of which the policy-holder is a group) underwritten by the Insurer for the same oversea working purpose, the Insurer will make the indemnity only under the policy that has the highest insured amount, and refund the corresponding insurance premiums collected under the same coverage for other insurances.

(9)Baggage delay

During the period of insurance, if the Insured’s checked baggage during the oversea travel dose not arrive within the specified time after the carrying conveyance has arrived the destination, according to the Policy, the Insurer will make the payment as per the corresponding specified Insurance Amount.

(10) Kidnapping and Illegal Detention

During the period of insurance, the Insurer shall indemnify the Insured in accordance with the daily amount of indemnification specified in the policy and the actual days that the Insured has been kidnapped or illegally detained if the Insured is kidnapped or illegally detained during travel.

(11) Loss of Checked Baggage Insurance

During the period of insurance, if the Insured’s checked baggage that is controlled by the carrier is lost or damaged due to the carrier’s or any other third parties’ liability during the Insured’s oversea travel, the Insurer will indemnify the actual value or repair costs of the baggage, whichever is lower, as per the agreement of this rider, subject to the Insurance Amount specified in the Policy.

For photo, film, video, audio or media data, the Insurer will only pay the value of the material carrying such photo, film, video, audio or media data, excluding the date itself.

(12) Theft and Robbery of Bank Card and Check

During the period of insurance, in case the bank card or check carried by the Insured is lost, pilfered, robbed or grabbed, which results an unauthorized person to use the bank card or check in the following circumstances, the Insurer shall indemnify the Insured for the loss of funds caused by the same reason under the account opened in the card issuer within the limit of indemnity for this Rider specified in the policy after deducting the deductibles:

1. Use the bank card or check to withdraw deposit or transfer at the bank counter;

2. Use the bank card or check to withdraw deposit or transfer at an ATM;

3. Use the bank card for consumption, including not limited to online shopping.

However, the loss of funds must occur within 48 hours before reporting the loss of bank card or check during the valid period of this Rider and the Insured must report the loss of bank card or check within 24 hours after the bank card or check is lost, pilfered, robbed or grabbed.

(13) Household Property Insurance

During the period of insurance, if the indoor insured property located at the Insured’s place of usual residence within the territory and specified in the Policy is damaged by the following reasons during the Insured’s oversea travel, the Insurer shall be liable for the direct loss or damage according the agreement of this rider. The Insurer will calculate the payment as per the insured property’s actual value at the time of loss or the repairing expenses, whichever is lower, subject to the Insurance Amount specified in the Policy:

a.Fire and explosion;

b.The falling of flying objects, collapse of external objects;

c.Typhoon, windstorm, rainstorm, tornado, lightning strike, flood, hail, snow, cliff slide, icicle, mud-rock flow, and earth subsidence or sinking caused by natural disaster.

3. Exclusions

Please refer to the insurance clauses

4.Age limit： The entry age of the insured must be within the scope from 14days to 80 years old

5. Excluded groups

(1) Individuals who have had epilepsy, psychosis or schizophrenia;

(2) Individuals whose travel aboard is for the purpose of diagnosis, treatment or seeking other medical services;

(3) Pregnant women;

(4) Individuals who are not suitable for overseas travel according to a medical practitioner;

(5) Insureds whose overseas travel is for the purpose of immigration or settling down abroad with no intention of come back to China in the short term;

(6) Insureds who have had certain illness and are waiting for treatment;

(7) Insureds who have been out of the People’s Republic of China when applying for this insurance;

6. Excluded regions: The latest information of excluded regions shall be subject to the result on www.pingan.com .

7. Insurance coverage limit： Each customer is limited to one purchase of insurance while the excessive part shall be void.

8. Premium payment: Passengers applying for this product shall pay the premium and the air fare at the same time

9. Insurance contract: Passengers choose to purchase this product while booking a plane ticket and payment of the premium shall constitute the signing of the insurance contract.

10. Insurance policy： For this insurance, we adopt the innovative e-insurance sales model. After enrollment is completed and the policy is generated, you can inquire about and download the electronic policy and insurance clauses through your China Southern Airlines order. download link：https://b2c.csair.com/B2C40/modules/services/insurance/apply.html. This insurance policy is an electronic policy in both Chinese and English. If you need to apply for a visa, please use a color laser printer to print this policy on the A4 paper, which has the same legal force. If you need a paper policy, please dial Ping An Insurance’s customer services hotline 95511 and ask Customer Service for it.

11. Insurance invoice： This insurance provides electronic invoice.You can download the insurance electronic invoice by youself through https://b2c.csair.com/B2C40/modules/services/insurance/apply.html .

12.Authenticity Checking Telephone Number

a. Customer service line of the China Southern Airlines Website : 40066-95539.

b. China Southern Airlines Insurance Brokers Co., Ltd.：4006380380。

c. Customer service line of Ping An Insurance：95511

13. Information security: We undertake to keep the passengers' (the insureds) identity and enrollment information confidential and ensure trading security.

14. Claim settlement

（1）Ping An Insurance’s 24-hour global assistance hotline : +86 755 95511. Be sure to dial the global assistance hotline to report a claim as soon as you can after the incident in order that the insurer and the assistance company can provide medical assistance to you as soon as possible. If you handle the case by yourself without dialing the assistance hotline, your claim might be rejected.

（2） In case that you don’t need overseas medical assistance services, please dial Ping An Insurance’s customer services hotline 95511 to report the claim immediately after you return home from abroad, and submit relevant claim settlement materials to the insurer.

（3） Claim settlement

15. Policy change and surrender

(1) ①after the departure of the first flight, the travel schedule will be changed without changing the policy, and the travel beyond the "insurance period" will not be covered.

② All flights are not used. If the airline tickets are changed, international insurance will be processed.

② All flights are not used. If the airline tickets are changed, Overseas Travel Insurance will be processed.

(2) ①before the flight takes off, passengers can contact the China Southern Airlines Customer Service Hotline 95539 for refund and apply for surrender.

②after the flight takes off, if the passenger ticket is not used in 24 hours, it can contact the Southern Airlines Service Hotline 95539 to apply for a refund and apply for the remission and not be refunded for more than 24 hours.

(3) No policy surrender is allowed after the policy expires.

1) How can I buy CSAir E- Travel Insurance?

You can buy E- travel insurance when booking tickets at www.csair.com or through your mobile phone APP.All natural persons who travel abroad from the PRC and eventually return to China can apply for the insurance, and they need to take out this insurance before leaving the PRC, otherwise the policy will be null and void.

All natural persons who travel abroad from the PRC and eventually return to China can apply for the insurance, and they need to take out this insurance before leaving the PRC, otherwise the policy will be null and void.

2) Do I have to designate the insurance beneficiary?

When buying the insurance, if you do not designate a beneficiary of death benefits, the death benefits will be paid to your heirs, other insurance benefits except death benefits will be paid directly to you or the insured.

3) I purchase the insurance for getting a visa. Do you have any tips on buying the insurance?

According to requirements of embassies and consulates, medical coverage of acceptable Schengen visa insurance shall be at least EUR30,000. Therefore, please note whether your policy limits and policy insurance period meet the requirements of consulates before submitting an application for a visa.

4) In case of an insurance incident abroad, how to obtain emergency assistance?

Ping An Insurance’s 24-hour global assistance hotline : +86 755 95511. Be sure to dial the global assistance hotline to report a claim as soon as you can after the incident in order that the insurer and the assistance company can provide medical assistance to you as soon as possible. If you handle the case by yourself without dialing the assistance hotline, your claim might be rejected.

5) How shall I dial the assistance call abroad?

When you need to get assistance services abroad, please contact the 24-hour customer services center:

When you dial with a mobile phone, please dial + 86 755 95511 (long press the number key 0 or * to enter “+”)

When you dial with a landline telephone, please add the international prefix (usually 00, slightly different in few countries, please inquiry about it before making a call) before 86 755 95511.

If you need to ask for some information within the Mainland China, please directly dial 95511.

6) How the destination in my policy is chosen?

The default destination as specified in the policy is the country where the outbound flight ultimately lands. If you also go to other countries, you are still covered by this insurance.

17.Insurance Clauses

The case of any discrepancy between the above webpage and the insurance clauses concerning flight delay, or luggage delay/loss,the webpage information shall prevail.

《PingAn Overseas Travel Insurance Clauses》

18.Insurance Broker Commission Contract And Customer Notification

Insurance Broker Commission Contract

Thanks to the customer (hereinafter referred to as “Party A”), China Southern Airlines Insurance Brokers Co., Ltd. (hereinafter referred to as “Party B”) is entrusted to handle insurance business. This contract is a valid agreement between Party A and Party B. Party B shall provide insurance brokerage services to Party A in accordance with the provisions of this contract, and Party A shall enjoy the rights and obligations of this contract.

The terms of this contract have a significant relationship with Party A's rights and interests. Party A is requested to confirm that Party A has fully read, understood and accepted all the contents of this contract before agreeing to accept insurance brokerage services (hereinafter referred to as "this service"). If Party A checks/clicks "Read and agree", "Agree to the terms of the contract" or otherwise chooses to accept this contract through the insurance order page, it means that Party A fully agrees and accepts all the terms of this contract.

Article 1 Party A entrusts Party B as an insurance broker to represent or assist Party A in handling insurance related matters.

Article 2 The specific matters of commission and service are as follows: 1. to assist Party A in handling various buying of insurance ; 2. to collect and pay the insurance premium and surrender premium of Party A on behalf of Party A; 3. to provide insurance consultation for Party A during the insurance period; 4. to assist Party A in handling insurance claims during the insurance period.

Article 3 Dispute Resolution 1. The validity, interpretation, alteration, enforcement and dispute resolution of this contract shall be governed by the laws of the People's Republic of China. 2. The dispute arising from this contract shall be settled through friendly negotiation between the two parties. If it is unable to reach an agreement, the court in the place where Party B is located shall be the court of first instance.

Customer Notification

Dear Customer:

Thank you for entrusting our company to handle insurance business on your behalf. Our company is an insurance professional intermediary agency that provides intermediary services for insurance applicants and insurance companies to enter into insurance contracts based on the interests of policyholders. In order to protect your legal rights and interests, in accordance with the requirements of the "Regulations on the Supervision of Insurance Brokers", our company fulfills the obligation of informing customers and informs the relevant matters as follows. Please read carefully:

1. Introduction of the Company (1)Name: China Southern Airlines Insurance Brokers Co., Ltd. (2) Address: Room 01E1, 5th Floor, Building 2, Gaosheng Square, No. 163 Yingbin Avenue, Huadu District, Guangzhou (3) License Name and Number: Operating Insurance Brokerage Business License Number 269705000000800 (4) Scope of business: to formulate insurance plans for insurance applicants, select insurers, apply for insurance procedures, assist insured or beneficiaries to make claims; reinsurance brokerage business; provide disaster prevention, loss prevention or risk assessment, risk management consulting services; other businesses approved by the China Insurance Regulatory Commission In China (except Hong Kong, Macao and Taiwan) (5) Business area: within China (except Hong Kong, Macao and Taiwan) (6) Contact information: 4006380380

2. Please read the insurance clause carefully, focusing on insurance liability, liability exemption, insured rights and obligations, deductible or deductible calculation, health insurance product waiting period, etc., and may require the company's business personnel to explain the above contents in detail.

3. Please explain the relevant provisions of the Insurance Law of the People's Republic of China on the limitation of claims, the time limit for insurance companies to settle claims, the termination and invalidation of contracts, the insurance quota for minors, and the failure to fulfill the obligation of telling the truth, deliberately causing insurance accidents or exaggerating accidents. Legal consequences resulting from loss, unreal age of declaration, etc.

4. Please pay attention to the branch office information of the insurance company'. If your insurance is purchased in areas where the insurance company does not have a branch office., subsequent services may be affected.

5. According to the provisions of the Insurance Law of the People's Republic of China, if an insurance brokerage institution causes losses to the policyholder or the insured due to the fault, it shall be liable for the compensation according to the law.

6. The Company has fully insured the professional liability insurance in accordance with the “Regulations on Insurance Brokers”.

7. The company does not charge from customers, but the company can get commissions from insurance companies.

8. The senior managers of the company and the company does not have any relationship with the insurance companies and other insurance intermediaries related to the brokerage business. If you find that the company's employees are misleading and doing things that harm your legitimate interests, you can file a complaint with the company. The number for complaints is 4006380380.

Customer Statement: China Southern Airlines Insurance Brokers Co., Ltd. has explained the matters related to insurance, and I/the organization also understands the above contents clearly.

China Southern Airlines Insurance Brokers Co., Ltd.

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Top Travel Insurances for China You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

China is famous for its rich cultural heritage, in particular the Great Wall of China, the Terra-Cotta Warriors, and the Forbidden City, as well as its delicious cuisine and bustling cities. Although travelling to China can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to China and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

China Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for China:

Best Travel Insurances for China

• 01. Should I get travel insurance for China? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to China scroll down

Heading to China soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for China?

No, there's currently no legal requirement to take out travel insurance for travel to or through China.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to China or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for China:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to China. It lets you choose between various plans tailored to meet the specific needs of your trip to China, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for China:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to China? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to China

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for China. However, we strongly encourage you to do so anyway, because the cost of healthcare in China can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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China Airlines is a state-owned carrier for the Republic of China, and one of the two major state-owned airlines along with EVA Air

China Airlines Travel Insurance is not offered when booking flights out of the USA. This is great news! It means we can find excellent options in the wider travel insurance market.

Let’s book a trip on China Airlines and then see what options we have for trip insurance in the open marketplace through TravelDefenders .

Our Sample Trip – San Francisco to Bangkok

We booked a trip for two travelers from San Francisco to Bangkok from May 7 – May 31, 2023. For fares, we looked at the various fares for Economy (and there’s quite a few!)

China Airlines does a good job showing different fare options. The range in prices is astonishing.

The least expensive fare is the Economy Basic at $906.20 while the most expensive is the Premium Economy Flex at $2,774.20. For the privilege of paying an additional $1,868, we only get a $50 reduction in our cancellation penalty with the Premium Flex as well as not paying for Wi-Fi and free flight changes. That’s an expensive upgrade for saving a nominal amount in penalty fees.

Instead of paying additional fees for the privilege of paying $50 less in penalties for refunds or changing our tickets, a better option is to buy the least expensive seat that they sell, then insure it. If you are worried about flexible cancellation benefits, then purchase Cancel for Any Reason insurance. We will cover this a little later.

After reviewing the fares, we chose the Economy Basic seats for both legs of the trip. Next, we chose our seats for all legs of the trip, coming in at a total of $130 which brought our total trip cost to $1,916.76:

TravelDefenders – Compare and Save

Since China Airlines doesn’t provide travel insurance let’s shop around. At TravelDefenders we take care of this. We get binding insurance quotes, anonymously, from all our major travel insurance carriers.

Inputting our trip details for a quote, we were presented with 27 options for travel insurance. How do we determine which one to choose?

For travel to Asia and destinations far from US shores, TravelDefenders recommends having a minimum of $100,000 of medical coverage and a minimum of $500,000 for medical evacuation coverage.

The least expensive plan with adequate coverage is the IMG Travel SE . The policy provides $250,000 of medical coverage and $500,000 of medical evacuation coverage as well as a waiver to cover pre-existing medical conditions if the policy is purchased within 20 days of the initial trip payment or deposit date.

Total cost is $135.36 which is the total cost for both travelers combined. The policy will allow us to cancel for standard reasons such as illness or injury prior to departure and receive a 100% of our non-refundable trip costs. Also, unlike China Airlines, IMG doesn’t charge a penalty if we need to cancel the trip or change trip details.

Cancel for Any Reason Travel Insurance

Some people prefer to have a policy in place that provides  Cancel for Any Reason  (CFAR) benefits.

This is a super-powerful benefit that does exactly what it says. A traveler needs to have no reason at all to cancel and still receive a significant refund. The policies that we have can provide either a 50% or a 75% refund depending on the policy chosen.

The use of Cancel for Any Reason insurance to lower ticket prices has been described as the  Airline Ticket Hack . Refundable benefits, yet with non-refundable tickets.

Looking at our quote from TravelDefenders, the least expensive CFAR policy is the Travel Insured Worldwide Trip Protector (CFAR 75%). This policy provides $100,000 of medical benefits and $1 million of medical evacuation benefits as well as a waiver to cover pre-existing medical conditions if the policy is purchased within 21 days of the initial trip payment or deposit date.

If we had to cancel for a listed reason in the policy such as an illness, we’d receive 100% of the non-refundable trip cost. However, if we cancel for a reason NOT listed in the policy, such as simply deciding we don’t want to go, the policy will refund us 50% of the trip cost.

At $213.12 (total cost for both travelers combined), the Travel Insured policy is more expensive than the IMG policy above but provides us with maximum cancellation flexibility.

TravelDefenders Travel Marketplace – One Site – Many Carriers

We love Amazon and are fans of Expedia. Comparison-shopping is simple. Sites like  TravelDefenders  do the same for travel insurance. Would you like to visit each travel insurance carrier directly? Of course not. Take the Amazon-like travel insurance experience at TravelDefenders.

The beauty of insurance comparison through a marketplace like TravelDefenders is that you get to see all the best prices in the market and make an informed decision.

Does TravelDefenders charge More?

You won’t find the same trip insurance plans available at a better price – price certainty is guaranteed because of anti-discriminatory insurance law in the US. Take a look at the article Travel Insurance Comparison  – Will I Pay More Buying Travel Insurance from a Comparison Website? This is powerful consumer protection.

A travel insurance marketplace like  TravelDefenders  will offer a multitude of different plans from some of the most respected travel insurance carriers in the country. You will only need a few minutes to check value for money, coverage, and insurance carrier ratings.

Enjoy your next trip with China Airlines and don’t forget your travel insurance.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Crispin Zanca

Kept it short ,sweet and to the point

No problems!

Jon Trister

Very helpful.

The agent Amanda who helped me in choosing the insurance demonstrated high professionalism. Thank you. Jon Trister MD

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International Edition

American Airlines changes its frequent flyer rules—again

Looking to achieve frequent-flyer status with American Airlines? Book direct.

The carrier has announced another round of changes to its loyalty program, saying passengers will only receive Loyalty Points and AAdvantage miles if they book directly with American, one of its partners, or a “preferred” travel agency. Flights booked elsewhere won’t earn miles.

The new rules go into effect in July.

At present, there’s no word on which agencies qualify as “preferred”—and it could be early June before that’s cleared up. The Wall Street Journal says that classification will depend “on whether they have adopted modern booking technology.”

“Booking with us provides a better travel experience,” the carrier argued in its announcement. “You can manage your trip online, receive travel credit for canceled trips and more. Plus, you’ll continue to earn miles and Loyalty Points through our non-airline partners and on eligible purchases with an AAdvantage credit card.”

Direct booking also lowers costs for the carrier.

For passengers who opt for basic economy fares, booking direct is the only way they’ll earn AAdvantage Miles or Loyalty Points. Preferred travel agency bookings will not be eligible.

American last announced a major overhaul of its frequent-flyer program in 2021, doing away with using how far or often someone flew to calculate status. That’s when Loyalty Points were introduced, which could be earned via travel or spending on branded credit cards.

Other airlines have followed its lead, with Delta announcing a big overhaul on its SkyMiles rewards program last year, which resulted in a bit of a rebellion among that company’s customers, forcing Delta to walk back some of its changes .

American noted that any existing reservations booked with third parties or non-preferred travel agencies will earn miles or Loyalty Points.

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