How to Pick the Best Travel Insurance for Your China Trip

How to Pick the Best Travel Insurance for Your China Trip

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From a once in a lifetime hike along the Great Wall near Beijing, to sampling bbq and street food at a local market somewhere in the middle Sichuan province, travel insurance can cover you if things don’t go exactly according to plan on your epic trip to China. 

There are lots of things you might encounter during your trip to China that are covered by travel insurance – things that aren’t always at the top of mind when it comes to choosing the best insurance plan for you.

Even if you aren’t an adrenaline junkie, there are plenty of things that can go wrong and many considerations for your travel insurance plan that might come in handy during your trip. It’s important to make travel insurance part of your budget when planning your trip to China. Putting money aside for that added expense can end up going a long way and save you lots of money in the long run.

As international travel begins to ramp up again after a couple of years of being stuck at home, don’t let yourself get caught out unprotected. Use this guide to understand what insurance you need, how much it will cost you, and what you need covered. 

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Is Travel Insurance Necessary in China?

In the past, travellers were rarely asked to purchase insurance for travel to China. Usually only necessary in the case that the traveller was visiting China on a volunteer (F) visa. Nowadays, insurance coverage (especially travel medical insurance) is becoming necessary in a number of countries around the world. Because the borders haven’t reopened to tourists in China at the time of writing, there’s no information yet as to whether travel insurance will be mandatory or not for any future travellers to China. 

Whether China will make insurance mandatory for visitors or not is still up in the air but no matter how things go in the future, there’s a myriad of reasons why travel insurance is necessary in China. And some of the reasons may surprise you.

Foreign workers in China with a work (Z) visa should be covered by their employer in China when it comes to health insurance specifically, but not for everything else such as lost or stolen belongings or medical repatriation. If you have a new contract to work in China and are planning to relocate, make sure you purchase a travel insurance plan before heading out even if you will have medical coverage once you get there and start working.

Reasons You Need Travel Insurance in China

It isn’t just about emergency trips to the hospital after a serious bout of traveller’s tummy from some suspect street food. Travel insurance is there to keep you and your belongings covered in many different situations that you might not have even thought of.

Outdoor Adventures

If you’re planning to hike the mountains of Huangshan, go bungee jumping over Beijing’s Yanqi Lake, or go snorkelling in Sanya, travel insurance is a great back up to cover you if you ever experience an injury or accident during an adventure trip. 

Man bungee jumping in China over river
Sure, you can go bungee jumping near Beijing over the Juma River or in Qing Long Canyon or at Yanqi Lake, but are you covered just in case you hurt yourself being a daredevil? 

Sudden Cancellations

Same as if you were to travel in the US, Europe, or Australia, travel insurance packages can cover you for any sudden cancellations or travel delays (either before or during your trip) which are beyond your control.

Theft/loss of Belongings

Most travel insurance plans come with some sort of basic coverage for check-in baggage loss or theft. If you plan on travelling with lots of valuable items, check some of the travel insurance companies below that cover those precious belongings. 

Another service that many insurance providers provide is assistance with things like loss of your passport. You’ll be guided through the process (such as where to file a report in your area and your closest consulate or embassy) and covered for costs of emergency travel documents. 

Illness

Getting sick while on the road is no fun. Sometimes it can be remedied with some comfort foods and over the counter meds from the local pharmacy, but in the case that you need to see a doctor, travel medical insurance will be essential in finding the right care. Basic coverage usually includes emergency medical and dental. 

Traffic Accidents

If you ever need medical care following a traffic accident while in a taxi in Shanghai or while riding the bus in Beijing, your emergency medical insurance for China can cover you.

It’s also important to note that if you are ever in an accident while operating a motor vehicle without a valid license, (car rental, motorbike, even a motorboat), your travel insurance might not cover you.

Covid-19 Coverage

A number of the travel insurance companies that we list below do offer some sort of coverage for Covid-related medical expenses. Insurance plans have evolved over the past two years and it is now common for emergency medical coverage to include Covid-19.

However, this does not mean that you will be covered if you go against your government’s travel advisories. Please note that this coverage is more emergency medical related. Many countries have a “do not travel” list, so if your country warns against travel to any region, the policy won’t necessarily cover you if you ignore the most recent warnings. Many travel insurance providers take into account the date when you paid for your trip, so they will know if you were already planning to travel to China against any official advice.  

Women in a clinic with gloves and face shield
While Covid-19 has changed our world forever, we must think about how to protect ourselves when we start to travel again. 

You can also find packages that offer repatriation in case of a medical emergency or death of an immediate family member due to Covid-19. 

When purchased before your trip, certain insurance plans will cover testing and some of the expenses related to quarantine, as long as it comes from the official guidance of a medical doctor or government official. Don’t expect reimbursement for a two week quarantine in a fancy business hotel. 

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If you’re relocating to China during the Covid-19 pandemic, check if your employer will cover your quarantine upon entry. See our Expats Guide to Moving to China for more information.


Do You Already Have Travel Insurance?

Check the details of your current travel insurance plan (if you have one) in your home country. This can either be with your credit card, another provider with work, or any supplementary insurance you’ve purchased and see if it provides any type of coverage for visiting China.

Some credit cards will not offer you any travel insurance coverage if you claim any miles to purchase your flight(s) to China. If you’ve paid for your travels to China in full using your credit card, it can’t hurt to check and see if you get any insurance benefits along with it.

Those insurance extras you might get with your credit card can be sufficient for a small domestic trip, but if you’re taking a big trip through China, you’ll need a travel insurance plan that’s much more extensive.

When Should You Buy Travel Insurance?

It’s always best to purchase your travel insurance before setting off on a trip. This is especially true if you have any specific health conditions (more on that later), because you’ll need to confirm the right package and plan with your insurer prior to departure to ensure coverage. 


You’ll also need to share key details with an insurer company such as the date you originally booked your trip to China. Buying insurance too late might exclude you from getting trip coverage. 

If you’re not sure how long you will be travelling in China for, make sure you go with a provider and plan that can be extended while still abroad. World Nomads and SafetyWing are some insurance companies that offer this option.

Two men with laptops doing paperwork
We all hate paperwork, but don’t forget to read all the small print before you purchase a China travel insurance plan. 

Most travel insurance should be purchased before you leave your home country. And especially if you have to apply for a Chinese tourist visa before your trip, you may be reminded to purchase travel insurance during the application process.

How Much Does Travel Insurance Cost?

Travellers to China can purchase an insurance plan to get them covered for a six month trip at the average cost of $300 to $1,200, which works out to about $50 to $200 per month. 

Considering that a medical emergency evacuation can cost you upwards of $10,000, a travel insurance plan is definitely something you should look into when planning your next trip. 

The cost of travel insurance can vary, however. Here are some details that can affect the cost of your travel insurance plan for China:

  • Your age at the time of your travels
  • Pre-existing health conditions
  • Total cost of your trip to China (in the case of estimating the reimbursement for trip cancellation)
  • Your country of permanent residence
  • Trip length
  • When you first booked your trip (plane ticket, for example)
  • Add-ons for high-risk activities or coverage for extra gear

When searching for quotes, all of these factors will come into play in order to determine the cost of your travel insurance plan. 

And don’t forget to factor in the deductible fee, if that applies to your specific policy. Some providers have $0 deductible, but others will have a fee of anywhere between $100-500.

Travel Insurance Companies

Whether you’re living in China and want to take a domestic trip for a few weeks or a few months, or if you’re planning to visit China, these travel insurance packages could be for you.

The Great Wall of China in Autumn with orange leaves.
Visiting The Great Wall of China is an unforgettable experience, do it safely and keep yourself covered with the right insurance plan. 

The policy details and quotes here won’t necessarily be the same for every traveller. Please note that this is what’s quoted for someone looking for the best travel insurance in China who’s in their mid-30s with no specific pre-existing medical conditions, from the United States, residing in California, and taking a trip between 1 to 6 months in China.

Seven Corners

Seven Corners offers Trip Protection plans for US residents, which includes coverage for any non-refundable travel costs due to cancellation, delay, or interruption; baggage loss or delay; medical expenses and medical evacuation. 

Seven Corners

Plans for a six month trip to China cost $751 for the RoundTrip Basic and $1,127 for the RoundTrip Choice.

  • Coverage listed in the RoundTrip Choice plan includes
  • Trip cancellation up to $100,000
  • Emergency accident and sickness medical expenses up to $500,000 (with primary coverage)
  • Emergency dental up to $750
  • Medical evacuation and repatriation of remains up to $1,000,000
  • Political or security evacuation up to $20,000
  • Baggage and personal effects up to $2,500; subject to per item limit of $250

This plan even offers extras like passport replacement up to $200.

The company also provides 24/7 travel assistance services.

Who is Covered

For US citizens, plan specifics and limitations may depend on your home state.

For non-US residents, Seven Corners offers a Travel Medical Plan with extensive health coverage as well as Student Travel Insurance for students, faculty, and scholars going abroad. Plans come with optional Covid-19 coverage.

Filing Your Claim

Call 1-800-335-0611 or email [email protected]

World Nomads

World Nomads provides great travel insurance plans for trips up to 180 days. You can choose between Standard or Explorer plans. For six month of travels in China, the Standard Plan goes for $400 USD and coverage under the Explorer Plan is $588 USD. 

World Nomads

The details of the Explorer Plan include:

  • Emergency accident & sickness medical expenses up to $100,000
  • Emergency evacuation up to $500,000
  • Trip cancellation and trip interruption up to $10,000
  • Baggage and personal effects up to $3,000

Both the Standard and Explorer plans come with Generali Global Assistance, 24 hours a day and 365 days a year. Plans can be refunded within 10 days of receipt as long as you haven’t left on your trip and haven’t filed a claim. Plans don’t cover pre-existing conditions.

Wondering about the deductible? It depends on your permanent residence, but from recent research it’s between $0-100.

Who is Covered

World Nomads insurance plans cover residents of over 140 countries, including the US, Canada, the UK, Australia, and more. Plans only cover persons under 65 years of age. 

For US residents, plan prices may vary depending on your home state, as with Canada and your home province. US plans are linked to the Nationwide Insurance Company, AXA for the UK, and AIG for Canadians.

Note for Canadians

World Nomads insurance is available for people residing in every province and territory in Canada except for Quebec.

Filing Your Claim

Present all claims to the Program Administrator online at: Travelclaimsonline or Worldnomads

ACS

ACS Globe Traveller insurance plans cover you for trips worldwide. You can purchase coverage for up to 12 months of travel, and you will be covered except in your country of residence.

ACS 

A Standard Premium Plan for a 6 month trip to China costs €355. The insurance benefits include: 


  • Maximum reimbursement of medical expenses up to €150,000, €300,000, or €500,000, depending on the plan. For residents of the United States and Canada, only the €500,000 option is currently available. The medical expenses limit in that case will be an extra cost of about €35.
  • 100% of the cost of emergency dental treatment, up to €300.
  • Cash advance in case of theft or loss will be reimbursed up to €700
  • Luggage will be reimbursed up to €2,000 (with a €30 deductible) in the case of theft, total or partial destruction, or loss during the transportation by a transport company.
  • For flight delays exceeding 4 hours, insured will get compensation for costs of meals, transfer and first night up to €150 per person.

ACS also offers a Risk Sports coverage option, where you can remove any exclusions in your plan related to coverage of accidents or illnesses that occur or contract while practicing what’s deemed as “risk sports” during your trip.

Other Benefits:

  • Direct payment for hospitalisation of more than 24 hours.
  • Actual cost reimbursements of healthcare expenses, no deductible.
  • Inbound ticket reimbursed in case of evacuation due to political situation

Another bonus with ACS is that medical expenses for these insurance plans cover Covid-19.

William Russell InsuranceAdvertisement

You can still purchase insurance plans with ACS after your departure date, but there will be a waiting period of 8 days applied to all benefits.

Who is Covered

ACS’s Globe Traveller plans are for individuals of all nationalities under 66 years of age.

Filing Your Claim

Reimbursement claims under €500 may be sent to their Medical Service by email to: [email protected]

For claims over €500, send your request by postal mail to: ACS – Medical ServiceAttn. Médical Advisor153, rue de l’Université75007 Paris – France

AXA

Travellers to China have the choice between Silver, Gold, and Platinum plans with AXA ranging from $144 to $216 for trips up to 2 months in length. Platinum Plan coverage includes:

AXA
  • Trip cancellation for 100% of trip cost
  • Accident and sickness medical expenses up to $250,000
  • Emergency medical evacuation and repatriation up to $1,000,000
  • Trip delay up to $2,500/$300 per day
  • Baggage and personal effects up to $3,000

Platinum plans also include coverage for sports equipment rentals ($1,000) and lost golf rounds ($500).

Travellers can request a pre-existing conditions exclusion waiver under the Gold and Platinum plans, which is included in the price. It must be purchased within 14 days of the initial trip deposit.

Who is Covered

The plans and coverage listed above is for residents of the US. According to their website, AXA Insurance UK is no longer providing travel insurance for new customers. There’s also no direct information on their website for Travel Assistance for Canadians.

Filing Your Claim

Call 1-855-327-1441 for 24/7 Claim and Assistance Services

Within the United States: 1-855-327-1442

Outside of the United States: 1-312-935-1719

Reach out to them at: [email protected]

SafetyWing

SafetyWing is the latest travel insurance designed for modern “nomads”. The company is currently building their plans to become accessible to everyone and remove any limitations involving permanent residency and citizenship.

SafetyWing

Travel medical insurance plans for persons between the ages of 10 to 39 years start at $42 for 4 weeks of coverage; more if travel includes any part of the US. Two children under the age of 10 per family (1 per adult) will be covered under the plan.

Medical coverage comes with a $250,000 limit and there’s a $250 deductible. The benefits include:

  • Hospital room and nursing services
  • Intensive care up to overall maximum limit
-Emergency dental up to $1,000 (no deductible)
  • Physical therapy and chiropractic care can be covered up to $50/day. This service must be ordered in advance.

Treatments for high risk sports, cancer treatment, and pre-existing disease or injury are not included in the plans.

Travel insurance coverage includes:


  • Trip interruption up to $5,000
  • Emergency medical evacuation up to $100,000 lifetime maximum-Lost checked luggage covered up to $3,000 per certificate period/$500 per item.

One bonus is that Covid-19 travel and medical coverage is included in their Nomad Insurance plans. Covid coverage includes:

  • Testing (not antibody) if deemed necessary by a physician.
  • Quarantine costs covering $50 a day (up to 10 days) if it’s required by a physician or governmental authority.
  • Travellers must be covered with SafetyWing’s Nomad Insurance for at least 28 days prior to be reimbursed for any testing or quarantine requirements during their trip.

Who is Covered

Nomad Insurance covers you anywhere outside of your home country except for Cuba, Iran, North Korea, Syria, and the US (unless you have the US add-on). Covers travellers up to 69 years of age.

Filing Your Claim

For 24/7 assistance, you may call +1 866-635-2163 (free from Skype). Here are the other toll-free numbers for assistance.

Alternatively you can send an email to [email protected] To file a travel insurance claim with Safety Wing, follow the steps on the claims page.

Travel Insurance Plans For China: What Do They Cover?

There is no perfect travel insurance plan, but you can find the best coverage that works for you and your travels to China. Now that you’re more familiar with some insurance companies that are worth looking at for your next trip, let’s go through the important aspects of travel insurance plans, including what they cover and what restrictions you may come across while reading through the policy details.

Trip Interruption or Cancellation

For reasons beyond your control, there’s always a possibility that your trip will have to be postponed or cancelled entirely. In that case, you can file a claim to your travel insurance provider to see if you qualify for a reimbursement of the bookings you’ve made for your trip thus far.

A man waiting in an airport with a plane outside the window.
Found yourself sitting at the airport for hours instead of checking into your nice hotel room? Check to see if your China insurance policy will get you some of your money back. 

If you don’t have your accommodation or tours booked yet, then travel insurance could potentially give you back the money spent on your flight(s). Reasons that could validate your claim include:

  • Unexpected death or hospitalization of a family member
  • Surprise illness, injury or death of yourself or another traveller in your party (need document from a licensed physician).
  • Natural disaster in your place of departure or travel destination
  • Cancellation by airline

Some insurance providers will ask you for an estimate of your total trip cost before purchasing a plan, so that you may be covered for that given amount if you ever need to file a claim. Other travel insurance providers will reimburse you for trip cancellation and interruption for a maximum of $10,000. The amount may be more or less in some cases.


Please note that these terms aren’t always the same across the board for all travel insurance providers for China or any other destination, so read the policy while searching for quotes.

Travel Delays

Waiting around for your delayed flight for 4, 6, 10 hours or more? Travel insurance plans can potentially cover you for the cost of a hotel if you need to stay overnight (if it’s the fault of the airline) and your meals while waiting for your flight. For example, the ACS Globe Traveller Insurance package will compensate you up to €150 per person if your flight is delayed more than 4 hours.

And, if you ever find yourself delayed at the airport, it’s worth checking in with your airline to see what their policy is for delays. Some may provide you with overnight accommodation and/or a stipend for your meals during the delay. It is always with being very nice to your airline’s ground staff and asking them what they can do to help you. 

Baggage and Personal Effects

If your checked baggage is damaged or lost in transit by the airline or another carrier, or if you have some valuable goods stolen during your trip to China, your travel insurance plan can cover you for some or the total cost of your items.

A male tourist in Asia with a DSLR camera setting up a shot.
Nice camera! Make sure you are covered by your travel insurance just in case something unthinkable happens to your precious belongings. 

Certain travel insurance plans have a maximum of $3,000 that can be reimbursed to the traveller; with around $500 per item lost, stolen, or damaged. Some will only cover checked baggage, and other insurance plans don’t even include expensive, high-tech gear in their list of covered items. Considering all of this, it’s always good practice to pack your most valuable items with you in your carry-on bag.

If you’re planning to travel with expensive gear on your trip to China, consider choosing a travel insurance plan that will cover that gear (or if you can pay a premium on those specific valuable items you want to be insured).

Emergency Travel Medical and Dental

It’s important to know the difference between health insurance and travel insurance. Typically, travel insurance providers have emergency medical and dental coverage written into their policies.

In the case of emergency evacuation due to a medical emergency or a rush trip to the dentist in case you get injured or need some dental work while travelling, travel insurance will cover you. However, if more extensive health care and medical treatment might be required during your trip, consider purchasing supplementary health insurance.

In any case, make sure you have the means to pay any potential deductibles or medical treatment (if needed) up front.

It’s also important to note that some insurance plans won’t offer you as much of a sum if you aren’t insured in your place of permanent residence. Those covered with a health insurance plan at home will be eligible for the full benefits in many cases.

A red helicopter flying in a blue sky
In a worst-case scenario, will you be able to receive the medical help you need or will your chosen insurance plan leave you stranded?  

Travel medical insurance will also cover things like “bedside companions”, which means that they’ll cover some of the travel costs of a friend or family to come visit you if you have to spend an extended period of time in the hospital during your trip (with a time limit). Coverage is typically between $100-200 a day, so this definitely won’t cover an emergency flight to China from Australia, Europe, or North America, but it will help with accommodation and food costs.

If you’re not sure where to go for medical care in China (whether you’re in Shanghai, Beijing, or a small city in Anhui province), you can contact your travel insurance provider for reference. Some hospitals in China can bill your insurer directly, but not any particular one. 

International hospitals will more likely take your international travel medical insurance, so have a list of which hospitals your insurer recommends with you so that you can use it as a reference in case you need it.

The type of treatment you get and why you need emergency medical treatment in the first place will ultimately determine if you will be covered for your hospital expenses you procure while travelling in China. In one of their policy details, the Seven Corners website has this: “Utilizing the directory does not guarantee benefits or that the treating facility will bill Seven Corners directly. We do not guarantee payment to a facility or individual until we determine the expense is covered by the plan.

Repatriation

If the unthinkable happens, your travel insurance plan can cover the cost of transporting your remains back to your home country or pay for some funeral expenses while abroad if needed.

To give you an example of the amount covered, the reimbursement for return of remains or local funeral expenses under the World Nomads Standard and Explorer plans is $5,000.

Political Evacuation

Under an intense political situation wherever you may be, travel insurance can cover you for your flight out of the country in the case of an emergency. A number of travel insurance plans nowadays have “political evacuation” added to their list of coverages. In many cases, it will be your inbound ticket that will be reimbursed.

Travel Support

Many travel insurance providers offer their clients 24/7 worldwide emergency assistance, where you can call their hotline from your home country or abroad or contact the team via email. In situations such as a lost or stolen passport, a medical emergency, or otherwise, it’s another great back up plan while travelling. 

Travel Insurance Restrictions

Travel insurance companies will have restrictions written in their guidelines which may block you from purchasing a certain plan (or getting coverage altogether), depending on the provider. Restrictions can reach anywhere from pre-existing medical conditions, your permanent residence, your age, where you plan on travelling to, and what activities you plan on doing while you’re there.

Age

Many travel insurance policies put an age limit on a number of their plans. Typically, the age that will ensure coverage is 69 or younger. Some even go as low as 60. But if you’re an older traveller don’t worry, because there are some alternatives available for your China trip.

Canadian residents over 60 can get out of country or out of province travel insurance coverage through Bridges International Insurance Services. They even cover travellers with pre-existing conditions. You can check the details of the insurance terms on their website.

Liaison Travel with Seven Corners insurance offers plans for travellers 65-69 and 70-74 years of age, but the medical maximum is $100,000, compared to $500,000 for younger travellers. According to the latest research, the cost is between $8.18-15.14 per day with a $250 deductible.

Permanent Residence

Companies target different consumers across the globe. While some travel insurance providers such as SafetyWing are working to go borderless, your permanent place of residence will oftentimes determine which travel insurance plan you end up purchasing for your trip.

And when it comes to the cost of your travel insurance plan for China, your home region will determine your policy rate.

Pre-Existing Medical Conditions

All travel insurance costs are based on risk, so travellers with certain pre-existing conditions who are more at risk will have to look a little harder for the right travel insurance plan. Some providers will give you the option to purchase a pre-existing conditions waiver, so you’ll be treated just like any other traveller in case you need emergency medical coverage while in China.

A woman doctor in full medical gown working on a computer
Medical emergencies are no fun anywhere in the world but can be so much scarier away from home. Good health insurance is a must with your insurance plan. 

Certain plans (usually the one a level up from a Basic plan) will allow for a waiver on pre-existing medical conditions, meaning you’ll be treated as someone without any conditions. For example with Seven Corners, it says that coverage for pre-existing conditions can be provided if you meet the requirements in the plan document. This is available through their Round-Trip Choice plan, but not Round-Trip Basic.

The basic requirements for getting your pre-existing conditions waived is if you purchase the travel insurance plan within 20 days of your first trip deposit, if you are medically able to travel upon purchasing the plan, and you buy the upgrade for a pre-existing conditions waiver within the appropriate time frame.

Your Travel Plans in China

The destinations you plan on travelling to, and what you plan on doing while you’re there, are also big factors when it comes to purchasing the best travel insurance plan for you.

A number of insurance providers don’t cover certain countries – the common destinations that came up are Cuba, North Korea, Iran, Syria, and Antarctica. 

The travel insurance companies we listed above do provide coverage for travel throughout China, and there was no mention in the policy details of any exceptions or regions in China that weren’t covered. But, it’s always best to double check the details before purchasing your insurance package.

What you plan to do on your trip will also determine your best travel insurance plan for China. Some insurance policies won’t cover personal liability and injury if you do some organized adventure sports. 

Remember though that if you book a tour in China, some automatically come with supplementary travel insurance, in which case you’ll be covered for those activities. If you want to go ziplining or kite surfing during your trip, it’s best to go with a reputable tour agency. Always do a little research before booking an adventure tour to make sure the equipment will be good quality and they offer an insurance plan (or require proof that you have one).

Exclusions

Not everything will be covered by your insurance, no matter how comprehensive it is. Be sure to understand the exclusions with your specific plan and keep these things in mind on your trip.

Personal Liability

On your trip to China, if you find yourself in a situation where you are being sued or even blamed for personal liability, your insurance will not cover you if you’ve admitted that you’re the one at fault. When filing an insurance claim you have to provide a great number of details, so just know that your coverage will be limited in certain situations. For example, World Nomads is very clear about this in their policy details about personal liability.

STDs

If you contract an STD while travelling in China, many travel insurance plans won’t cover you for any emergency medical costs if needed. So stay safe out there and use protection. Still unsure which medical injuries or conditions are covered by travel insurance? Always double check what’s covered before buying your plan.

Epidemics/Pandemics

Because Covid-19 is now categorized as a “known event” and non-essential international travel is still discouraged by a number of countries, some insurance plans won’t cover all (or any) expenses related to Covid-19. 

While some plans do cover emergency medical treatment while travelling, always read the specifics of your policy before purchasing travel insurance. 

If travel to a specific destination is advised against by your local government, in many cases you won’t be covered for Covid-related expenses on the road.

Terms & Conditions


This goes along with personal liability, and what is and isn’t covered by travel insurance. While some packages will exclude coverage in certain cases (travelling against advice during a pandemic, for example) a condition is more the limit of what’s included/covered by your travel insurance.

For example, you will be covered for some repatriation or funeral costs while abroad in the case of accidental death, but you won’t be insured in the case of a self-inflicted injury or death. 

Conditions related to travel insurance coverage include:

  • Personal injury to do impairment (drugs, alcohol)
  • Death by suicide
  • Fees due to criminal activity
  • Costs due to injury or fees charged by operating a motor vehicle without a valid international drivers license
  • Participating and being injured in a high-risk sport or activity that isn’t mentioned in your insurance plan
  • Medical and dental tourism
  • Plastic surgery
  • Forgetting to report a theft or assault to the local authorities on time

We must remind you again that driving without a license is serious in any country, including China. You won’t be given any favours if you get into an accident, by the local authorities or your travel insurance provider.

Can I Extend my Travel Insurance Policy in China?


Some travel insurance plans will allow you to extend your travel insurance while in China. Insurance companies like World Nomads will allow you to extend your plan after you’ve already left your home country, but you can’t change plans (from Standard to the Explorer plan, for example).

An old cobblestone street in China with trees and lanterns
China is a great place and we totally understand why you might want to extend your visit, but first check that your insurance plan will also be flexible about your travel dates. 

SafetyWing is another company that lets customers extend their plans while already abroad. Insurance comes as a subscription method, where you can just extend your coverage every 28 days if needed.

How To Make a Claim

There are a few important things to have with you so that you’ll be ready to file a claim to your travel insurer. These include:

  • Original receipts of all payments made by you (paper or digital form)
  • Your travel insurance policy number
  • Your contact information
  • Official medical reports (if applicable)
  • Be ready to fill out all of the specifics and important details regarding the situation, so that your travel insurer will have as much information as possible in order to reimburse you.
  • Make sure to have copies of email addresses/phone numbers/all relevant contact information  of your travel insurance company.
  • Copy of your passport (photo page), visa page, and arrival stamp
  • Be patient, because claims may take some time to be approved before reimbursement.

Now, On to You

We hope that this guide has helped you with your future trip planning to China. As you can see from the insurance companies mentioned above, each has a unique policy, so there are plenty of options to find the best travel insurance for your China trip.

And before heading off to explore this beautiful country, always read your policy details so you know what you will be covered for during your adventures. The best tip we can offer is that you just make calls and talk to humans. When looking online all insurance companies can feel similar and the amount of information can be overwhelming. 

The best thing about insurance companies is that they have great point-of-sales staff and are always happy to give you personal advice. Go ahead and make those calls and have all of your questions ready now that you know what to look for!

A former English teacher turned freelance writer, Jennifer's been living and working abroad for over a decade. Originally from Canada, she's been lucky enough to travel across countries throughout Asia, Europe, and Latin America. Of all the foods she's tried over the years, her favourite meal is still a hot bowl of 红烧茄子 with rice.

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