international travel insurance china

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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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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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.

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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 a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, 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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

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 feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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PLANNING A TRIP TO CHINA? Start Here

Best Travel Insurance for 2024 | Guide & Reviews

January 14, 2024 By Josh Summers

Are you searching for the best travel insurance options for a trip or move you’re planning in 2024?  Whether you’re unsure if you need travel insurance, which ones offer coverage for Covid, or if you’re shopping around for the best recommendations, you’ve come to the right place. As somebody who has traveled the world for over a decade (and is still living abroad with his family!), I’d happy to share with you based on my personal experience.

**The following is a guide to the best travel insurance options . Even after reading this guide – and before you make any purchasing decision – please take the time to carefully read the terms and conditions of the policy you’re considering. Some links below are affiliate links, which means that at no extra cost to you I may be compensated should you decide to purchase coverage.**

So your bags are packed, tickets booked, and you’re ready to head out the door on your adventure.

Yet while double-checking your travel packing checklist , you see you have yet to purchase travel insurance.

It’s natural to ask yourself “ Is purchasing travel insurance really necessary? ”

After all, if we take enough time to think about everything that can go wrong, assess potential risks and how to avoid them, why spend extra money on an insurance policy?

The problem is no matter how much time one takes in preparing for those scary “what ifs,” there are always external factors beyond our control that can derail even the most well thought out itinerary.

Dealing with the unexpected is a part of traveling. From an inconvenient mishap to a serious medical injury, it is smart to invest in an insurance policy that protects you from an unexpected circumstance threatening to drain your wallet .

Since 2010, I have witnessed and heard about a variety of accidents ranging from infectious wounds, stomach illnesses, dengue fever, concussions, medical evacuations to more minor issues like missing an international flight or getting an iPhone stolen.

Many of these folks lacked travel insurance.

They either had never heard of it or decided they did not want to pay for it…at least until they actually needed it.

This guide will help you understand the following:

Travel Insurance Table of Contents

• What is travel insurance?
• What does travel insurance cover?
• World Nomads Review
• Allianz Global Assistance
• Final Thoughts

Having drawn information from numerous sources, this article will help you avoid spending time going from website to website looking up information on travel insurance.

What is Travel Insurance and How Does it Work?

What exactly is travel insurance exactly?

Surprisingly, I hear that question quite a bit.

Travel insurance is emergency care and services provided when unexpected things happen while traveling . It typically covers you from the time you leave home to when you come back or reach your final destination.

Depending on the policy you buy, it could help you in the following example situations:

• When your luggage is lost or stolen at the Paris airport.
• When you fall off a bike and get a concussion while riding around Beijing on  China’s bike share bicycles (perhaps one of falls apart on you?!).
• When you get a parasite after eating exotic food in Vietnam.
• When you need to cancel or cut your trip short because your grandmother passed away.

If you find yourself in a dangerous medical situation requiring surgery or evacuation, you can work with your provider to pay for the costs. For other incidents covered by your travel insurance policy, you pay up front and are reimbursed afterward.

To determine if you really need to purchase a policy, however, it is a good idea to understand what all of the best travel insurance policies covers.

What Does Travel Insurance Cover?

Below is a quick rundown of what  can be covered by good travel insurance.

Please note: You’ll need to check each individual policy to determine what is specifically covered.

Emergency Medical Expenses

Now you may be thinking, “Hey, I already have health insurance. Doesn’t my policy already cover me when I am overseas?”

If you are traveling abroad, typically that is not the case and your policy may offer only limited coverage – if any at all.

Even if your home policy does provide coverage, you may still be charged outrageous fees on deductibles before your insurance company pays for your claim.

So in the event you need to seek medical attention, you may be on your own in covering the hospital bill without dedicated travel insurance.

Emergency Transportation

In the event that a medical evacuation becomes necessary, a good policy covers the cost of transporting you the nearest suitable hospital for treatment .

Some plans even cover transportation costs to send children home and a visitor to watch over you should you require hospitalization.

Coverage on emergency evacuation due to a political crisis or natural disaster is also available for purchase on some insurance plans.

Trip Delays, Cancellation and Interruption

Oftentimes, unforeseen circumstances may require you to delay or cancel your trip.

Some examples of how your trip could get delayed or cancelled could be:

• Getting your passport stolen;
• Inclement weather or natural disasters hitting your destination;
• You lose your job all of the sudden;
• You’re called in for military obligations;
• You or someone at home gets sick or injured;
• Your traveling documents or baggage is stolen or misplaced;
• Civil unrest breaks out in your destination and it is deemed unsafe to travel there;

In the event you need to cancel or delay your trip, travel insurance can help with reimbursement for money already paid for bookings (i.e. flight changes, which can be costly!), fees charged for rearranging your travel plans or canceling them entirely.

Help with Flight Changes

Flight delays can be a pain. Luckily, travel insurance makes them more bearable by covering unforeseen costs during a delay.

If your flight is delayed or canceled due to severe weather, mechanical breakdowns, or even a labor strike, travel insurance can cover hotel stays, meals, and local transportation costs.

In the event of a catastrophic flight disaster, insurance providers pay out benefits for accidental death and dismemberment. Obviously you hope that never happens!

Lost or Stolen Baggage

Waiting at baggage claim is always a pain. If baggage is delayed, many plans reimburse you for essential items you need while waiting for your bags to be returned.

When purchasing a policy, definitely read carefully the “essential items” part of your coverage. They may not reimburse you for a pair of Oakley sunglasses you need to visit the beach.

If baggage is stolen, your provider can both provide and assist you in getting compensation from responsible parties as long as you report the theft in a timely manner.

What is NOT Covered by Travel Insurance?

Travel insurance is pretty handy to have and covers a lot to get you out of a jam. It does have its limits, however, and you should be aware of what is not generally covered.

While each policy has different limitations, it is best to read the fine print to determine what is and is not covered by your insurance provider.

Pre-Existing Medical Conditions

Generally, pre-existing medical conditions are not covered. If you have a pre-existing condition, you must first get a quote to determine whether or not the condition will be covered.

While getting a quote, you need to disclose pre-existing medical conditions including recurring illnesses or injuries, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from.

This information will then be used to determine if you need to pay any extra premium, a higher amount of money you pay towards a claim, or a medical related exclusion.

For policies where pre-existing conditions are not covered, you are covered for all the usual situations as long as they are unrelated to the medical condition you had or were aware of before you bought it.

Dangerous or Unstable Countries

If you are planning a trip to Afghanistan to explore its beautiful scenery and rich culture, don’t automatically expect your trip to be covered by travel insurance!

Countries that already have government travel warnings are often not covered by travel insurance.

Your country of residence can also influence coverage in different countries. So it is also a good idea to inquire with your intended provider about which countries are covered under their plans.

They Don’t Cover Stupid

World Nomads puts this best by saying, “ deliberately putting your life in danger is not covered .” This means things like:

• Picking fights with locals;
• Racing your rental car;
• Trekking across China’s Taklamakan desert with few provisions;
• Or even picking up a sexually transmitted disease.

If you fancy risking your neck, it is likely you will be doing it on your own dime .

Accidents Resulting from Consuming Alcohol

When you are on vacation, it is understandable to cut loose and drink a bit…

…but there’s no coverage for overdoing it!

If you are involved in an accident resulting in consuming too much alcohol, your claim is likely to be denied.

These accidents can include anything from driving under the influence, being hit by oncoming traffic while crossing a street, and even stumbling off a cliff (see “They Don’t Cover Stupid” above).

Back to Top

What Kinds of Plans are There?

Coverage depends on the type of plan you purchase. Each insurance provider tends to offer a number of plans that range from basic to comprehensive.

Benefits can also vary depending on your country of residence. When you have a provider in mind that you are thinking you would like to purchase a policy from, it is best to get a quote for full details on benefits .

Coverage also differs according to where you travel. If traveling domestically , an insurance policy will be less comprehensive, usually cheaper and will supplement your current insurance plan.

Plans geared toward international travel have far more benefits and are more expensive than plans geared for domestic travel.

The information below offers a general picture on what to expect from insurance providers.

What Does a Basic Plan Look Like?

For Whom: the healthy traveler that will be gone less than a month.

Budget plans are generally intended for budget conscious travelers. In comparison with other plans, it includes the bare essentials such as:

• Emergency medical coverage
• Emergency evacuation
• Travel delay
• Trip interruption or cancellation
• Baggage delay or loss
• 24-hour assistance

The length of coverage is also limited to a short span of time such as a month. If you’ll be traveling longer than a month or need more coverage, consider the next step up.

Looking at a Silver Plan

For Whom: the traveler who wants extended coverage for up to 180 days

If you feel like you need coverage that goes beyond what is covered in a basic plan, you can choose to opt for the next level, often referred to as a silver plan, or a more mid-range plan for your trip. Mid-range plans go beyond basic plans in terms of coverage.

For example, basic plans offer coverage of around $100,000 for medical evacuation. But for a mid-range plan, your coverage is extended to up to around $500,000 .

The length of coverage is also extended by a significant margin, around 180 days for some plans.

Checking out the Gold Plan

For Whom: the nomad who spends the majority of their time traveling.

If you are a traveler who tends to spend much time overseas and you cannot find a plan that covers you for the entire length of your trip, consider purchasing a “gold plan” or comprehensive travel insurance coverage .

Many comprehensive plans offer up to 365 days of coverage and are suitable for travelers without a primary insurance plan or a primary insurance plan with little or no coverage overseas.

The benefits offered on these plans are marginally higher than basic and mid-range plans. For example coverage for medical evacuation can be as high as $1 million and your plan may feature additional coverage on items such as sports-related injuries, higher compensation for loss to more serious items like accidental death and repatriation of remains.

Frequently Asked Questions

Below are some of the most commonly asked questions about the best travel insurance.

Hopefully what you find here will answer your particular question but if not, feel free to leave your question in the comment section below.

Riskier adventures can include activities like trekking, skiing and boarding, surfing, scuba diving, mountain biking, rock climbing and other activities that are more prone to medical injury. While these “risky” activities can offer an incredible experience during your time abroad, unfortunately, they are not usually covered by general insurance plans. Don’t despair, though! They can be purchased as part of your policy or as a policy upgrade. When looking for coverage for riskier activities, look for “adventure travel coverage” or “adventure plus packs” on insurance websites.

Yes, there are some travel insurance policies that cover rental cars…for an extra cost. Many providers offer separate policies or upgrades on insurance plans. If purchasing a more expensive plan, rental car insurance may even be included. Coverage generally covers collision, damage, and loss. Check the benefits of the policy you intend to purchase to determine if car rental insurance is included.

Yes there is! Insuring your electronics is offered either as a separate policy or as a policy upgrade. I have met so many travelers whom have had their iPhone, iPad, laptops, cameras or other important valuables stolen and it was a shame that most of them did not have coverage for their stolen gear. When traveling to another country it is easy to become a target of professional pickpockets and insuring your gear allows you to get compensated the value of your electronics in the event of theft. In addition to theft, many plans also cover damage to your items such as your camera or mobile phone. Some even cover water damage.

Luckily purchasing travel insurance is quick and often results in immediate coverage. Even if you leave buying travel insurance to the last minute before your trip, it is still quite easy to purchase a plan and then get out the door. If you are currently abroad and are considering purchasing travel insurance, this is also possible. There may be special conditions that you need to consider, though. If you are currently overseas it is best to ask your intended provider about these conditions and how they can affect your coverage.

Best Travel Insurance 2024 Compared

Below is a quick overlook on some of the most popular travel insurance providers followed by a brief review of each.

Prices in the table reflect an insurance quote for a single, 30-year old traveler visiting China for a month who intends on spending $6,000 for the trip and is interested in a platinum insurance policy.

Based on our research, for the average traveler it seems that  World Nomads offers strong travel insurance that covers a tremendous amount of activities. It’s always worth comparing quotes, though, which is why we also suggest you look at Travelex as well.

If you are a senior or have pre-existing conditions, it is possible that   Allianz Global Assistance offers the best option. If you feel that we are missing a quality service that deserves mentioning, please introduce it in the comments below.

* Pricing based on a single American traveler planning a 30-day trip to China with full coverage.

Travel Insurance Plans Reviewed

Below I’d like to go deeper into each of the various travel insurance options I’ve presented in the table above.

While these reviews aren’t comprehensive (because everybody’s situation is different), it should hopefully provide you with a good starting point.

Option 1: SafetyWing Review (*Recommended)

SafetyWing has established themselves as the go-to travel insurance for those between the age of 18-40 years old.

Part of what makes SafetyWing so attractive is the simplicity of their offerings.

Instead of confusing customers with loads of different products and product tiers, they basically have two travel insurance products to choose from: Nomad Insurance and Nomad Health .

The difference between these two is essentially just length of stay overseas. If you’ll be traveling for a month or less, you’ll be looking at their Nomad Insurance while the Nomad Health plan is geared more toward those remote workers or long-term expats who live outside the US.

Explanation of coverage is easy to understand (another big benefit of using SafetyWing) so you don’t have to read through pages and pages of insurance jargon.

Bottom Line: Start with a quote from SafetyWing. Chances are it’s the best option, but you can compare the coverage with others on this list.

Option 2: World Nomads Review

World Nomads is among the most reputable travel insurers and is partnered with National Geographic, Rough Guides, Intrepid Travel and Lonely Planet.

It also has a large base of customers and covers people from 150 different countries.

After getting a quote, you are presented with two plans: Standard and Explorer . While their standard plan is pretty comprehensive, the explorer plan will cover you for more risk-prone activities such as rock climbing, snorkeling, and cliff diving.

Regardless of whether you purchase the standard or explorer plans, you are covered for all the typical things you look for in a policy including coverage for over 100 adventure sports and activities.

From my research, what makes World Nomads different from other insurance providers is the ability to easily extend your travel insurance if your plans change as well as being able to purchase it overseas.

It’s also unique for its coverage of “adventure activities;” you can do an incredible amount of things on a World Nomads plan from shark cage diving, skydiving, elephant riding, ice climbing to more low key sports like yoga and get coverage in the event of a medical mishap.

Their coverage for digital items like smartphones, tablets, and SLR cameras also stand out as a reason to choose World Nomads. They are also a family friendly provider and insurance plans can provide coverage up to seven dependent children under eighteen.

I only have two gripes about World Nomads: 1) it does not offer coverage to travelers over 70 years old and 2) they do not cover any pre-existing conditions. Other than that, World Nomads looks like a great option for travel insurance.

Bottom Line: Great option for those looking to do high-risk activities on your trip. Offers coverage to residents of 150 different countries.

Option 3: Travelex Review

Travelex is another top-notch travel insurance provider you can choose from. If you are not a U.S. citizen, you can still purchase coverage for your trip from Travelex if you are a US resident after speaking to their staff by phone.

Their insurance is divided up into four plans: Travel Select , Travel Basic , Flight Insurance , and Flight Insurance Plus .

Each plan has its own perks with options for numerous upgrades such as rental vehicle coverage, adventure sport coverage, and additional medical coverage.

Travelex can be an ideal option if you are looking to travel with your family. One thing that distinguishes its service is that dependent children under the age of 18 can be covered at no cost as long as they travel with an adult family member.

Seniors are also eligible for their own coverage with Travelex. What’s more is among the upgrades you can purchase is Cancel for any Reason. With this upgrade, you can cancel your trip for any reason “no questions asked” and be reimbursed 75% of the insured trip cost. Other insurers provide trip cancellation, but this upgrade streamlines the process.

Bottom Line: Great for customers who would like to tailor their own insurance policy. Covering dependent children under the age of 18 and allowing customers to cancel for any reason distinguish them from competitors.

Option 4: RoamRight Travel Insurance Review

RoamRight offers a number of insurance plans to suit different kinds of travelers. What really distinguishes RoamRight from its competitors is the various levels of coverage that fits a variety of travelers.

These plans include the “Essentials”, the “Preferred”, the “Elite”, and the “Pro” coverages.

Essentially, RoamRight gives you various options that allow for different types of coverage based on what you find most important.

For example, perhaps you’re most worried about delays at the airport and want to choose a plan that pays out most for this contingency. Or maybe you’re most concerned about dental coverage while you’re traveling abroad. There’s a plan that emphasizes this.

The truth is that a lot of this can get pretty complicated and I hate looking at tables and trying to figure out what would be paid out in situation x versus situation y.

If you feel the same way, the great thing about RoamRight is their customer support and sales. Just give them a call and tell them what you’re looking for. They’ll give you a quote and there’s no obligation to buy.

My only complaint with RoamRight is their murky explanation of what constitutes a “pre-existing condition”. They do cover pre-existing conditions, they say, but there are limits that don’t seem very clear.

Bottom Line: RoamRight offers an excellent array of options for coverage and is worth getting a quote for comparison.

NOT Recommended: Allianz Global Assistance Review

UPDATE: While I used to recommend Allianz as a reputable option, the COVID-19 epidemic has shown that they really are a profit-first company and not a people-first company. So while I’m going to keep this former review here, I have removed all links to their website and no longer recommend them.

Boasting a long history, Allianz Global Assistance is used to be one of the top leaders in travel insurance. For Americans, Allianz offers numerous travel plans covering domestic travel, international travel, cruises, multiple trip, and rental cars.

Under their international coverage, three plans are offered: Basic, Classic and Classic with Trip+ . If you have a pre-existing medical condition, Allianz may be a good fit for you as all three international plans offer coverage of select pre-existing conditions. Their top two plans also offer coverage for children under 17 making Allianz another family friendly option. Seniors are also eligible for coverage on all three plans.

One of the main drawbacks for Allianz is they exclude high-risk activities from their coverage. So if you intend on participating in more adventure prone activities, I suggest getting insurance with an alternative provider. Their coverage for emergency medical incidents also only amounts to $50,000 on their most expensive plan. For a similar rates, other providers offer as much as $500,000 for emergency medical coverage.

Bottom Line : Despite it’s former reputation, the Covid-19 pandemic has shown Allianz’s true colors. Don’t work with them unless a pre-existing condition makes them an only option.

Final Thoughts | Best Travel Insurance 2024

Before heading out on your journey overseas, you should seriously consider purchasing a travel insurance policy. A strong policy can let you relax instead of thinking about all the things that could go wrong on your trip. As you have seen, there are many options for travel insurance and you can even find more here.

My final advice is when purchasing a plan, be sure to read the entire policy cover to cover – or at least have an agent walk you through it.

Knowing your policy will help you make smart decisions while traveling, especially if you are in a more high-risk environment. Wishing you good luck and good health on your journey!

Further Reading & Resources

Traveling or Moving to China Soon?

Download "44 Tips You MUST Know Before Traveling to China". These simple but often overlooked tips could make or break your trip !

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About Josh Summers

Josh is the founder of TravelChinaCheaper.com who has been living in China with his family since 2006. Over that period of time he has traveled by plane, train, car, motorcycle and even camel to explore almost every corner of the country.

Reader Interactions

April 5, 2019 at 7:11 pm

as someone who has had insurance with these companies and travelled continuously for years on end i have some thoughts. The exclusions are pretty rifE on belongings. You mention losing your phone in the article, but maybe you are covered if a pick pocket gets it, only maybe. If you lose it, bad luck. if it is stolen from your room or a safe in your room and there is no physical evidence that the room or safe was broken into, you are out of luck. so for instance if it is stolen by hotel staff or a clever thief who knows how top open a door without brute force, i.e. every hotel thief, you are out of luck. robbed at gunpoint, you may be ok! well as far as a new phone goes.

watch out for the fine print, for example per item tech coverage, buy the extra per item cover. for example a camera and lenses and tripod and all associated camera gear are considered one item with a single per item limit, say $3000, even though you may have 2 lenses that cost $3000 each and a camera that cost $3000, total value $9000 you will only get $3000. there are so many exclusions for your stuff that making a calim is really complicated, requires often extremely hard to obtain local authorities documentation etc.

that said, the medical side is really where its at. That is where you should focus. Honestly lose your stuf you are probably out of luck. Need to be medi-vacked or spend a few days in hospital, thank god for the coverage and just as importantly the assistance. so make sure you are covered for the crazy stuff you like to do. I have claimed for medical with nomads and it was pretty easy. (although i was surprised to see that ‘terrorist event” is not covered so wandering the streets of london and a bomb goes off, tough. that i think is a bit rude. wandering the streets of london seems a pretty standard tourist activity! trip interruption can be tricky, lots of paperwork to get from an offending airline when you are frantically trying to rebook but still you can probably pull it off. especially get admission in writing of why your carrier left you stuck. this really is a case where you should read the fine print, don’t just click ok liek we all usually do. often there are exclusions that would make you choose the cheaper plan because the way in which you are actually likely to lose your gear for instance wont be covered. or their are as mentioned in the article, additions you really should purchase because of activities or special gear specific to your trip.

June 3, 2019 at 6:41 am

Here in the Netherlands it is much cheaper to go for a local travel insurance. I pay just €90 each year around for a full service insurance.

June 3, 2019 at 2:00 pm

That’s great, Marc! Every country is a bit different, but I would caution you to make sure that you’re getting everything you need out of that insurance – specifically coverage for major accidents and repatriation. This is what my UK friend faced – his insurance didn’t cover the high costs to repatriate him for all the health care he needed in the UK and wouldn’t cover what was needed in China. So he and his family were stuck with a MASSIVE medical bill before they would release him (they had to pay out of pocket for these expenses and the repatriation).

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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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International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance China

Natural wonders, thousands of years of history and a rich culture.

Make your holiday to China unforgettable for the right reasons.

China is a breath-taking country, with its natural wonders, a rich culture, a civilisation dating back thousands of years and, of course, the giant panda.

It can also be a daunting place to travel to and around, with a challenging language and teeming crowds. But with the right planning, a holiday in China is amazing.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel Insurance China: what cover do I need?

We divide travel insurance into four zones:

• Worldwide excluding the USA, Canada, Caribbean and Mexico

For trips to China, you’ll need at least the second option of worldwide travel insurance : worldwide excluding USA, Canada, Caribbean and Mexico.

We offer three tiers of cover, with increasing coverage and product benefits.

Choose from three levels of cover

We also offer a choice of single trip travel insurance and annual travel cover . Travelling to a country as far away as China means you could be gone for longer than usual. Our single trip policy offers cover for up to 365 days and is ideal for extended holidays, as well as gap year travel .

If you’re on a gap year and are planning to work or volunteer while you’re there, our China travel insurance will cover you to carry out some jobs, such as working in an office or as a waiter or waitress, but not manual work.

Our annual, or multi-trip, travel insurance, covers you for several separate trips each year, for up to 31 days per trip.

According to the Foreign Office , more than half a million British nationals visited mainland China in 2017. China has one of the lowest murder rates in the world – lower than the UK and America – and most visits are trouble-free.

However, the country’s strict laws and zero tolerance approach to, for example, drugs, means visitors need to take extra care regarding their behaviour.

What do I need to know before I go to China?

Coronavirus.

At the time of writing (July 2020), the existing FCDO advice against non-essential international travel continues to apply for mainland China. Admiral Travel Insurance doesn’t cover you to travel where the FCDO has advised against ‘all travel’ or ‘all but essential travel’.

The Chinese authorities continue to impose various control and quarantine measures across the country, including restrictions on movement, reduced transport, entry and exit controls for towns and villages, and isolation requirements for travel between different parts of the country.

Check the FCDO’s travel advice for China for the most up-to-date information. 

China visa requirements

Before you arrive, you’ll need a visa. Anyone aged 14-70 needs to apply for their visa in person at a Visa Application Centre and provide biometric data (scanned fingerprints).

Foreign nationals over the age of 16 always need to carry their passport, while visitors need to register their place of residence with the local Public Security Bureau – the police authority – within 24 hours of arriving (this is often done for you depending on the hotel or hostel you choose to stay in but be sure to check).

Check the Foreign, Commonwealth and Development Office website for more information on China tourist visa requirements.

Best travel insurance for China

Having comprehensive travel insurance in place before you go is essential in covering you and your belongings against anything going wrong, such as:

• Theft or loss of your possessions
• Trip disruption
• Emergency medical treatment

It’s a good idea to carry with you the details of your insurance policy, including emergency phone numbers, and to leave copies with family or friends back home. If you’re taken ill in China, we have a multilingual, 24-hour emergency helpline for all policyholders to use.

China doesn’t recognise dual nationality, so if you have both British and Chinese nationality you may be treated as a Chinese citizen by the authorities even if you have a British passport, and the British Embassy may not be able to help in an emergency.

Healthcare in China

Healthcare in China can be very expensive and, if you’re unlucky enough to have a medical emergency, your travel insurance will prove invaluable. Hospitals in the major cities are excellent, with many English-speaking staff.

If you’re taken ill in a remote area, however, it’s likely you’ll need to be evacuated to better facilities, and the language barrier could prove challenging. In an emergency, dial 120 and ask for an ambulance.

China has high levels of air pollution in its cities and industrialised areas, which can aggravate conditions such as asthma and bronchitis. Tap water is generally not safe to drink, so always buy bottled water.

Four to six weeks before you travel to China, visit your GP’s surgery to check if you need any vaccinations. You may need a yellow fever vaccination certificate if you’re arriving from or transiting through a country with a high risk of transmission, although this doesn’t apply if you’re only travelling in Hong Kong or Macao.

It’s recommended you have hepatitis A and B vaccinations, as well as ensuring your diphtheria, tetanus and poliomyelitis injections are up to date (within the last 10 years).

Travelling in China

China offers the trip of a lifetime for tourists, whether you choose to visit its major cities or head further out to experience rural life.

You might think no holiday would be complete without walking along a section of the Great Wall, seeing the Army of Terracotta Warriors up close or visiting the UNESCO-listed Forbidden City in Beijing.

If hiking, mountain climbing and rafting are more your thing, head to one of China’s breath-taking national parks – there are more than 200 in total! Remember that, while our standard travel insurance covers many activities, you may need some add-on cover for extreme sports, such as bungee jumping.

With more than 1.3 billion people living in China, its urban areas are among the most crowded in the world, and the jostling crowds in cities can be overwhelming for some travellers.

You’ll find more space and peace the further you go into the countryside, whether visiting China’s rice field communities, canalside villages or sprawling lakes.

Bear in mind, however, that there’s often only a small police presence or none at all in rural areas, compared to the efficient policing in cities.

Take a look at our China travel guide for more tips.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

Do i need a visa for china.

Yes you do, and you’ll need to apply in person at a Visa Application Centre. Find out more on the FCDO website. Your passport will need to be valid for at least six months when you enter China.

Do I need vaccinations for China?

There are no specific vaccination requirements for China but your doctor may recommend the following:

• Hepatitis A
• Hepatitis B
• Tick-borne Encephalitis

Cholera and Japanese Encephalitis are recommended for the highest risk people.

You should make sure your usual recommended vaccinations and boosters for life in Britain are up to date.

Do I need travel insurance for China?

It’s not a legal requirement, but think about what you’d do should the worst happen when you’re in China. Having travel insurance is a good idea to make sure you don’t end up out of pocket, particularly if you need medical treatment.

Is China safe to travel alone?

China is a relatively safe country to travel around by yourself. But all travellers should keep an eye on their money and valuables – don’t fall victim to pickpockets or scammers.

Other than that, the most challenging thing is likely to be the language barrier.

Is China safe for tourists?

The FCDO advice states that China isn’t an unsafe country, but scammers do tend to operate in tourist areas. You may be invited to a bar for a massage or tea tasting, only to be told you need to pay a huge fee and possibly even threatened.

You should also check the QR sticker on bikes before renting them, as there have been instances in the past when the correct sticker has been replaced with a fake one, with the money going into an incorrect account.

Does travel insurance cover pickpocketing?

Your travel insurance covers theft of your personal belongings, money or documents, but you must report the theft to the police or your travel operator within 24 hours of discovering it. You’ll need to get a written police report (or a Property Irregularity Report from your transport operator if the theft happened when they had your things).

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

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Travel Insurance China  offers travel insurance online to citizens of China and travellers to China. Get a quote now and purchase travel medical and evacuation coverage online via a secure server. Our travel insurance plans are great for Chinese nationals immigrating to the USA, Canada, Europe and beyond! In fact, most of our plans are available to citizens around the world. We are a premier supplier for travel insurance for people going to and from China.

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Travel Advisory April 12, 2024

Mainland china, hong kong & macau - see summaries.

Updated due to new national security legislation in the Hong Kong Special Administrative Region.

Summary:  Reconsider travel to Mainland China due to the arbitrary enforcement of local laws, including in relation to exit bans, and the risk of wrongful detentions.

Exercise increased caution when traveling to the Hong Kong Special Administrative Region (SAR) due to the arbitrary enforcement of local laws .

Reconsider travel to the Macau Special Administrative Region (SAR) due to a limited ability to provide emergency consular services . Exercise increased caution when traveling to the Macau SAR due to the arbitrary enforcement of local laws .

See specific risks and conditions in each jurisdiction . 

Embassy Messages

View Alerts and Messages Archive

Quick Facts

Recommend consult with travel clinic

Max RMB 20,000

Embassies and Consulates

U.S. Embassy Beijing No. 55 An Jia Lou Road Chaoyang District, Beijing 100600 Telephone: +86 10-8531-4000 Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 10-8531-3300 Email: [email protected] This consular district includes Beijing, Tianjin, Gansu, Hebei, Ningxia, Qinghai, Shaanxi, Shandong, Shanxi, Xinjiang, Chongqing, Sichuan, and Tibet.

U.S. Consulate General Hong Kong & Macau 26 Garden Road Central, Hong Kong Telephone:  +852 2841-2211, +852 2841-2225, +852 2841-2323   Emergency After-Hours Telephone:  +852 2523-9011   Fax:  +852 2845-4845 Email:   [email protected]   This consular district includes the Hong Kong and Macau Special Administrative Regions (SARs).

U.S. Consulate General Guangzhou No. 43 Hua Jiu Road Zhujiang New Town Tianhe District, Guangzhou 510623 Telephone: +86 20-3814-5775 Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 20-3814-5572 Email:   [email protected]  This consular district includes Yunnan, Guizhou, Fujian, Guangdong, Guangxi, and Hainan.

U.S. Consulate General Shanghai No. 1469 Huai Hai Zhong Road Xuhui District, Shanghai 200041 Telephone: +86 21-8011-2400  Emergency After-Hours Telephone: +86 10-8531-4000  Fax: +86 21-6148-8266  Email:   [email protected]  This consular district includes Shanghai, Anhui, Jiangsu, and Zhejiang.

U.S. Consulate General Shenyang No. 52 14th Wei Road Heping District, Shenyang 110003 Telephone: +86 24-2322-1198  Emergency After-Hours Telephone: +86 10-8531-4000 Fax: +86 24-8610-6904  Email:  [email protected]  This consular district includes Inner Mongolia, Heilongjiang, Jilin, and Liaoning.

U.S. Consulate General Wuhan No. 396 Xin Hua Road Wuhan Minsheng Bank Building Jianghan District, Wuhan 430015 Telephone: +86 27-8563 2800  Emergency After-Hours Telephone: +86 10-8531-4000  Fax:  +86 27-5949 6496 Email:  [email protected] This consular district includes Henan, Hubei, Hunan, and Jiangxi.

Destination Description

See the U.S. Department of State’s Fact Sheet on the People's Republic of China for information on U.S.-China relations. 

Entry, Exit and Visa Requirements

Entry & Exit:

• Obtain a visa prior to arrival in the People’s Republic of China (PRC) and have a passport with at least six months' validity remaining. The lack of either will result in a fine and immediate deportation upon arrival.
• Apply for a ten-year multiple entry visa, useful for repeated travel, or trips to the Hong Kong or Macau Special Administrative Regions (SARs) with returns to mainland China.
• If you plan to work in the PRC, be sure to obtain the correct visa. Working in the PRC is not permissible on a student or tourist visa, and may result in detention, criminal charges, imprisonment, and deportation.
• You must have a valid visa to exit the PRC and you must leave the PRC before the expiration of the listed duration of stay.
• Do not travel to the PRC if you have a warrant for your arrest in the United States.

Lack of a visa, having an expired visa, or overstaying your visa will result in detention and/or fines.

• Apply for a visa extension from the local  Entry-Exit Bureau  before attempting to leave the PRC. Do not expect your request to be expedited, so apply ahead of time.
• Staying in the PRC on an expired visa may lead to a fine, imprisonment, and deportation.
• Visit the website of the  Embassy of the People’s Republic of China in the United States of America  for current visa information as well as information on the PRC’s immigration and nationality laws.

The Tibet Autonomous Region (TAR): The TAR requires special permits for tourist travel, most often obtained through a travel agent in the PRC. If you do enter a restricted area without the requisite permit, you could be fined, taken into custody, and deported for illegal entry. To learn more about specific entry requirements for the TAR or other restricted areas, check with the  Embassy of the People’s Republic of China in the United States of America . The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to or foreign residents of the PRC. Transiting the PRC:

• When transiting certain international airports, you may stay in mainland China without a PRC visa. However, this “visa-free travel” permit is only valid for the city of arrival and does not allow you to visit other cities in the PRC.
• The duration of allowed stay and how broadly you may travel varies by region.
• Transiting without a visa requires a valid passport with at least six months of remaining validity, a visa for your onward destination (if necessary), and an onward ticket from the same location.
• You must inform your airline upon check-in and get an endorsement stamp at the immigration desk before leaving the airport.
• Consult the  Embassy of the People’s Republic of China in the United States of America  for a current list of eligible airports and more detailed guidance.
• PRC border officials have the authority to deny foreign travelers’ entry to the PRC without warning or explanation. The U.S. Embassy and Consulates General cannot intervene on your behalf if denied entry to the PRC.

During Your Stay: 

• Failure to register your stay within 24 hours of arrival in the PRC could result in fines and deportation. You can register with hotel staff or the local police station. 
• Local regulations require foreigners to carry valid passports and PRC visas or residence permits at all times.
• Entry and exit requirements are strictly enforced, as are restrictions on activities allowed by any particular visa class.
• Police, school administrators, transportation officials, and hotel staff may check your visa to make sure you have not overstayed. If you overstay your visa’s duration of stay, you may be denied service by hotels, airports, and train stations, as well as face fines and detention.
• If you encounter problems in the Tibet Autonomous Region, the U.S. government has limited ability to provide assistance because the PRC government does not usually authorize U.S. government personnel to travel there, even to provide consular assistance to U.S. citizens.

Dual Nationality: The PRC government does not recognize dual nationality.  If you are a dual national of the United States and the PRC, or otherwise have ethnic or historical ties to the PRC, it is possible that PRC authorities will assert that you are a PRC citizen, limit your ability to access certain consular services, and, if you are detained, deny your access to U.S. consular officials. Because the PRC government does not recognize dual citizenship, dual U.S.-PRC citizens may face a number of hurdles when seeking public benefits in the PRC. U.S. citizens who are also citizens of the PRC may experience difficulty in accessing benefits in the PRC, such as enrollment in public schools, treatment at public hospitals and clinics, or obtaining PRC identity and citizenship documents, such as passports. U.S.-PRC dual citizens must navigate conflicting aspects of PRC nationality, which the PRC government may inconsistently apply.

If you are a naturalized U.S. citizen or have a possible claim to PRC citizenship, and you are traveling to the PRC, inform yourself about PRC nationality law and practices relating to determination and loss of PRC citizenship. PRC authorities generally consider a child born in the PRC to at least one PRC-national parent to be a PRC citizen, even if the child was issued a U.S. passport at the time of birth. If you have or had a claim to PRC citizenship and your child is born in the PRC, prior to departing the PRC with your child, you may wish to contact the local Public Security Bureau and/or Entry-Exit Bureau for information on obtaining a travel document. If you have or had a claim to PRC citizenship and your child is born in the United States, please contact the Embassy of the People’s Republic of China in the United States of America for specific information on the documentation requirements to bring your child to the PRC.

Find information on  dual nationality ,  prevention of international child abduction , and  customs regulations  on our websites.

Safety and Security

For most visitors, the PRC remains a very safe country. Traffic accidents are the most common safety concern for U.S. citizens. Training, capability, and responsiveness of PRC authorities vary by region and even by city. The U.S. Embassy and Consulates General have no law enforcement authority and may not represent U.S. citizens in either criminal or civil legal matters.

To ensure your safety and security in the PRC, you should:

• Take routine safety precautions.
• Pay attention to surroundings.
• Report any concerns to the local police.
• Call “110,”  the local equivalent to “911”. English services are often available, but you should not expect English services in remote parts of the PRC.

Violent crime is not common in the PRC, however:

• While sanctioned demonstrations must be approved by PRC authorities, they can turn violent.
• Domestic unrest and terrorism can occur.
• Business disputes between U.S. citizens and PRC-national business partners can sometimes result in physical confrontation, detainment, or coercion. Go straight to the police if you feel threatened or relocate to a public place.

Be alert to criminal schemes, such as:

• “Tourist Tea” Scams: PRC nationals invite visitors out to tea and leave them with an exorbitant bill.
• Phone Scams:  Callers pose as police officers and request a funds transfer to resolve an identity theft or money laundering investigation. In these cases, DO NOT WIRE any money. If you receive any suspicious calls or requests, contact the local Public Security Bureau to verify the caller’s identity.
• “Unlicensed or Unapproved Cabs”:  Taxi and ridesharing services in China are generally licensed by authorities. Be cautious when using taxi or ridesharing services that are not accessible through mobile applications. If you use the locally approved taxi service, insist that the driver use the meter, and get a receipt. Have the name of your destination written in Chinese characters and ask the driver to remove the bags from the trunk before you get out of the taxi and before you pay.
• Counterfeit Currency:  Although counterfeit currency has been a concern in the PRC the past, making purchases in cash is increasingly less common as most vendors prefer payments through local mobile payment apps. When you need cash, use only ATMs at trusted financial institutions, and carry a variety of denominations as vendors may have limited cash on hand as change.

Be alert to criminal schemes, such as internet, phone scams, dating scams, as well as financial scams. If you already have been victim of a scam, catalogue as many details as possible, including names, telephone and bank numbers, and email and IP addresses; file a police report, and inform the U.S. Embassy or nearest U.S. Consulate General. See the  U.S. Department of State's  and the  U.S. Federal Bureau of Investigation (FBI)'s  pages for information on scams. Victims of Crime:  Report crimes to the local police and contact the U.S. Embassy or nearest Consulate General. U.S. citizen victims of sexual assault can contact the local police and should contact the U.S. Embassy or nearest U.S. Consulate General.

Remember that local authorities are responsible for investigating and prosecuting the crime. See our webpage on  help for U.S. victims of crime overseas .

We can: 

• Help you find appropriate medical care.
• Assist you in reporting a crime to the police.
• Contact relatives or friends with your written consent.
• Provide general information regarding the victim’s role during the local investigation and following its conclusion.
• Provide a list of local attorneys.
• Provide our information on  victim’s compensation programs in the United States .
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution.
• Help you find accommodation and arrange flights home.
• Replace a stolen or lost passport.

Lost or Stolen Passports:  If your passport is stolen, you must apply for both a new passport at the U.S. Embassy or nearest U.S. Consulate General and a new PRC visa. File a police report at the nearest police station right away. You may also be directed to file a report at the local Exit-Entry Bureau .

Domestic Violence:  U.S. citizen victims of domestic violence may contact the U.S. Embassy or nearest U.S. Consulate General for assistance. Domestic violence in the PRC is rarely recognized as a crime.

Tourism:  The tourism industry is unevenly regulated, and safety inspections for equipment and facilities do not commonly occur. Hazardous areas/activities are not always identified with appropriate signage, and staff may not be trained or certified either by the PRC government or by recognized authorities in the field. In the event of an injury, appropriate medical treatment is typically available only in/near major cities. First responders are generally unable to access areas outside of major cities to provide urgent medical treatment. U.S. citizens are encouraged to purchase medical evacuation insurance . 

Local Laws & Special Circumstances

Criminal Penalties:   You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned.

Some laws are also prosecutable in the United States, regardless of local law. See  crimes against minors abroad  and the U.S. Department of Justice  website.

Arrest Notification: If you are arrested or detained, ask police or prison officials to notify the U.S. Embassy or nearest U.S. Consulate General immediately.

• PRC authorities must notify a U.S. consular officer within four days; however, this does not always occur in a timely manner.
• A consular officer may be the only authorized visitor during your initial detention period.
• Bail is rarely granted.
• Detention may last many months before a trial.
• The U.S. Embassy or nearest U.S. Consulate General is unable to represent you in a legal matter.
• Travelers to the PRC should enroll in the State Department’s  Smart Traveler Enrollment Program (STEP)  and you may wish to have someone contact the U.S. Embassy or nearest U.S. Consulate General if you are detained.
• Please see the section on DUAL NATIONALITY for the limits on consular notification and access to dual nationals.
• See U.S. Department of State’s  webpage  for further information.

The PRC legal system can be opaque and the interpretation and enforcement of local laws arbitrary. The judiciary does not enjoy independence from political influence. U.S. citizens traveling or residing in the PRC should be aware of varying levels of scrutiny to which they will be subject from local law enforcement and state security. 

Certain provisions of the Criminal Law of the People’s Republic of China, such as “social order” crimes (Article 293) and crimes involving “endangering state security” and “state secrets” (Article 102 to 113), are ill-defined and can be interpreted by the authorities arbitrarily and situationally. Information that may be common knowledge in other countries could be considered a “state secret” in the PRC, and information can be designated a “state secret” retroactively. Drug and Alcohol Enforcement:

PRC law-enforcement authorities have little tolerance for illegal drugs, including marijuana. Penalties for possessing, using, or trafficking illegal drugs in the PRC are severe, and convicted offenders can expect long jail sentences, heavy fines, or the death penalty. Police regularly conduct unannounced drug tests on people suspected of drug use and have been known to enter a bar or nightclub and subject all patrons to immediate drug testing. Police may force you to provide a urine, blood, or hair follicle sample on short notice. A positive finding, even if the drug was legal elsewhere or consumed prior to arriving in the PRC, can lead to immediate detention, fines, deportation, and/or a ban from re-entering the PRC.

The PRC also has strict laws against driving under the influence of alcohol that can lead to immediate detention on a criminal charge.

Assisted Reproductive Technology:  In vitro fertilization (IVF) is widely and legally practiced. PRC law, however, strictly forbids surrogacy, and surrogacy contracts will not be considered valid. The use of reproductive technology for medical research and profit is strictly controlled. Contracts and Commercial Disputes:  Before entering into a commercial or employment contract in the PRC, have it reviewed by legal counsel both in the United States and in the PRC. The  U.S. International Trade Administration  can assist you in identifying and vetting business contacts and opportunities but may not intervene in contract disputes. Many U.S. citizens have reported difficulty getting their contracts enforced by PRC courts or being forced out of profitable joint-ventures without opportunity to secure legal recourse in the PRC. Counterfeit Goods:  Do not buy counterfeit or pirated goods. Bootlegs are illegal in the United States, and you may also be breaking local law by purchasing them.

Cruise Ship Passengers:  Click here for  safety information and travel advice .

Digital Payments: The PRC has transitioned to almost a predominantly cashless society. Some mobile phone applications offer a digital payment solution for individuals visiting the PRC on a temporary or long-term basis. Often, payment is made through an individual using their mobile phone to scan a vendor or business’s QR code. The number of locations accepting foreign credit cards has decreased in recent years. Visitors to the PRC should research whether the locations they are visiting will accept foreign credit cards and familiarize themselves with mobile digital payment options prior to traveling to the PRC.

Earthquakes:  Earthquakes occur throughout the PRC. Check here for information about preparing for a crisis or disaster overseas.

English/Secondary School Teachers:  English teachers in the PRC frequently report employment disputes which can result in questioning by local authorities, termination, lost wages, confiscation of passports, forced eviction from housing, and even threats of violence.

Exit Bans:  Business disputes, court orders to pay a settlement, or government investigations into both criminal and civil issues may result in an exit ban which will prohibit your departure from the PRC until the issue is resolved. Even individuals and their family members who are not directly involved, or even aware of these proceedings, can be subject to an exit ban. Additionally, some local businesspeople who feel that they have been wronged by a foreign business partner may hire "debt collectors” to harass, intimidate, and sometimes physically detain foreign business partners or family members in hopes of collecting the debt. The U.S. Embassy or nearest U.S. Consulate General can provide a list of local attorneys who serve U.S. clients but are otherwise unable to intervene in civil cases. Local law enforcement authorities are generally unwilling to become involved in what they consider private business matters and may not provide the individual who has been barred from leaving the PRC with any written notice of the exit ban.

Faith-Based Travelers:   See our following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Reports
• Country Reports on Human Rights Practices
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTQI+ Travelers:  Same sex marriages are not legally recognized in the PRC and local authorities will not provide marriage certificates to same-sex couples. There are no civil rights laws that prohibit discrimination or harassment based on sexual orientation or gender identity, though homosexuality has been decriminalized. Prejudices and discrimination still exist in many parts of the country. There are growing LGBTQI+ communities in some of the largest cities in the PRC and violence against LGBTQI+ individuals in the PRC is relatively rare. See  Section 6 of our Human Rights Practices in the Human Rights Report for the People's Republic of China  and read our  LGBTQI+ Travel Information page .

Non-Governmental Organizations (NGOs):  In January 2017, the PRC implemented a law regulating the operations of foreign NGOs in the PRC. NGOs and their employees should ensure they are complying with all relevant statutory requirements, particularly if working in sensitive areas or fields. Additionally, the PRC government announced sanctions on five U.S.-based NGOs in December 2019.

North Korea:  Do not travel to the Democratic People’s Republic of Korea (North Korea) due to the serious risk of arrest and long-term detention of U.S. nationals. For further information, consult the  North Korea International Travel Information page  and the  North Korea Travel Advisory .

Political and Religious Activity:  Participating in unauthorized political or religious activities, including participating in public protests or sending private electronic messages critical of the government   may result in detention and PRC government-imposed restrictions on future travel to the PRC. Although the PRC constitution permits freedom of religious belief, it does not permit freedom of religious practice and government officials are increasing pressure on domestic religious activities. The U.S. Mission to the PRC has observed an increase in the number of U.S. citizens being interrogated, detained, and/or forced to leave the country in connection with real or perceived religious proselytization. U.S. citizens have been detained and/or expelled for distributing religious literature, including Bibles, or engaging in unauthorized religious meetings. If you bring religious literature with you, local law dictates that it be a “reasonable amount” for your personal use. If you attempt to bring larger quantities, the literature will likely be confiscated and you may be fined, detained, or deported. Social Insurance:  The PRC has a social insurance system to which foreigners who work in the PRC must contribute. When you sign an employment contract, you must apply for a social insurance number, and it is important that your employer work with you to comply with the regulations. Please check the official website for updated information. Social Media:  Social media accounts are widely monitored in the PRC. Local authorities may use information they deem critical, controversial, or that might involve illegal activity against both the poster of the material and the host of the social media forum under local law. Individuals have also been held responsible for the content that others place within social media spaces they control, such as the comments section under a post or within a group chat that an individual controls.

Special Scrutiny of Foreign Citizens:  On occasion, U.S. citizens visiting or resident in the PRC have been interrogated or detained for reasons said to be related to “state security.” In such circumstances, you could face arrest, detention, or an exit ban prohibiting your departure from the PRC for a prolonged period. Dual U.S.-PRC nationals and U.S. citizens of Chinese heritage may be at a higher risk of facing such special scrutiny. Information about  dual nationality  can be found on our website. Students: See our  U.S. Students Abroad  page and  FBI travel tips .

Surveillance and Monitoring:  Security personnel carefully watch foreign visitors and may place you under surveillance. Hotel rooms (including meeting rooms), offices, cars, taxis, telephones, internet usage, ​digital payments, and fax machines may be monitored onsite or remotely, and personal possessions in hotel rooms, including computers, may be searched without your consent or knowledge. Security personnel have been known to detain and deport U.S. citizens sending private electronic messages critical of the PRC government. Transferring Money to/from the PRC:  The regulatory environment in the PRC includes tightening capital outflow controls that can severely impact one’s ability to move money out of the country. Wire transfers may only be available to those who have an active bank account in the PRC. Ask your local bank location in the PRC for more information. The U.S. Department of State may be able to help transfer funds to a destitute U.S citizen overseas through our office in Washington, D.C., to a U.S. Embassy or U.S. Consulate General abroad. More information on this option is available  here .

Travelers Who Require Accessibility Assistance:  U.S. citizens with mobility disabilities may face challenges while traveling in the PRC. Sidewalks often do not have curb cuts and many streets can be crossed only via pedestrian bridges or underpasses accessible by staircase. Assistive technologies for blind people and those with other vision disabilities are unreliable, and access to elevators in public buildings can be restricted. In major cities, public restrooms in places visited by tourists usually have a least one accessible toilet. See  Persons with Disabilities in the Human Rights Report for the People's Republic of China (2022) .

Typhoons:  The southeast coast of the PRC is subject to strong typhoons and tropical storms, usually from July through September. For current information, please consult the Joint Typhoon Warning Center in Honolulu  and the  National Weather Service's Central Pacific Hurricane Center . Women Travelers: If you are a woman traveling abroad, please review our travel tips for  Women Travelers .

Xinjiang Uyghur Autonomous Region:  Extraordinary security measures are in place through the region. Authorities may impose curfews and restrictions on short notice. They may also engage in invasive surveillance techniques against individuals. Expect significant travel delays, avoid gatherings and demonstrations, always carry ID, and follow the instructions of local authorities. Travelers with ethnic ties to the region may experience special restrictions, discrimination, and even arbitrary detention.

COVID-19 Entry Requirements: There are no COVID-related entry requirements in place for U.S. citizens.

• As of August 30, 2023, a negative COVID-19 PCR test or rapid antigen test is no longer required for entry. For more information, please see this notice .
• No proof of vaccination against COVID-19 is required for entry.
• There is no quarantine period for travelers upon arrival.

COVID-19 Testing: U.S. citizens can obtain a COVID-19 test at most hospitals and clinics in the PRC. They can choose between PCR and antigen tests, which are both available. The cost of the test is about $17 U.S. dollars, but it may vary depending on the location. The test fee is not covered by the host government and must be paid by the U.S. citizen. Test results are usually returned within 12 to 24 hours by email, text, or an update to the local COVID-19 monitoring app. For more information, please see this notice .

COVID-19 Vaccines:  Certain COVID-19 vaccines are available for U.S. citizens to receive in the PRC.

• The PRC government has conditionally authorized several vaccines that are currently available to foreigners residing in the PRC. The two most commonly available, Sinopharm and Sinovac, have not yet received approval by the Food and Drug Administration (FDA) of the United States. Sinopharm and Sinovac have received approval for emergency use by the World Health Organization (WHO). Please contact your local health authorities for more information.
• Visit the FDA's website to  learn more about FDA-approved vaccines  in the United States.

Quality of Care:  The standards of medical care in the PRC are not equivalent to those in the United States. Even in private hospitals or public hospitals with well-equipped wards, English-speaking patients frequently encounter difficulty due to cultural, language, and regulatory differences. Rural areas have rudimentary facilities and inadequate staffing. Additionally, Rh-negative blood may be difficult to obtain; the blood type of the general Asian populace is Rh positive. Payment and Insurance:  Ambulances in the PRC are often slow to arrive, and most do not have sophisticated medical equipment or trained responders. Cash payment for services is often required prior to treatment, including emergency cases. Travelers will be asked to post a deposit prior to admission to cover the expected cost of treatment. Hospitals in major cities may accept credit cards. The U.S. Embassy and Consulates General in the PRC maintain lists of local  English-speaking doctors and hospitals . Use of Medicare/Medicaid in the PRC:  Be aware that U.S. Medicare/Medicaid does not apply overseas. Hospitals and doctors in the PRC often do not accept U.S. health insurance.

Medical Insurance:  Make sure your health insurance plan provides coverage overseas. Most care providers overseas only accept cash payments. See our webpage for more information on insurance coverage overseas. Visit the U.S. Centers for Disease Control and Prevention (CDC) for more information on type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Medication:  If traveling with prescription medication, check with the  Embassy of the People’s Republic of China in the United States of America  to ensure the medication is legal in the PRC. Carry prescription medication in original packaging, along with the prescription. Many commonly used U.S. drugs and medications are not available in the PRC, and counterfeit, low-quality knockoffs are prevalent. If you try to have medications sent to you from outside the PRC, you may have problems getting them released by PRC Customs authorities and/or you may have to pay high customs duties. Air Quality:  Air pollution is a significant problem in many locations. Visit AirNow Department of State for information on air quality at U.S. Embassies and Consulates. The PRC’s  Ministry of Ecology and Environment  also provides its own air quality data for cities throughout the PRC. Most roads and towns in Tibet, Qinghai, parts of Xinjiang, and western Sichuan are situated at altitudes over 10,000 feet. Take appropriate precautions to prepare for and be alert to altitude sickness. Disease:  The following diseases are prevalent:

• Hepatitis A
• Hepatitis B
• Tuberculosis
• Sexually transmitted infections (e.g., syphilis)

Vaccinations: Be up to date on all routine vaccinations recommended by the CDC. The CDC traveler’s health site for the PRC provides vaccine recommendations specific to travel within the PRC.

For further health information :

• World Health Organization (WHO)
• U.S. Centers for Disease Control and Prevention (CDC)

Travel and Transportation

Road Conditions and Safety:  Traffic safety is generally poor, and driving can be dangerous, though rules, regulations, and conditions vary greatly throughout the PRC.

Traffic can be chaotic and largely unregulated and the rate of accidents, including fatal accidents, is among the highest in the world. Motorcycle and bicycle accidents are frequent and often deadly. Pedestrians do not have the right of way, and you should show extreme caution when walking in traffic, even in marked crosswalks. Child safety seats are not widely available.

Traffic Laws:

• You may not drive in the PRC using a U.S. or international driver’s license.
• You can apply for a PRC driver’s license if you have a resident permit.
• If you are involved in a traffic accident, stay calm and call and wait for the police.
• If there are no injuries and damage is minimal, the parties often come to agreement on the spot.
• Unresolved disputes are handled by the courts.
• In cases involving injuries, the driver determined at fault is responsible for the injured person’s medical costs. Sometimes, the police may hold your passport until the other parties are satisfied with the compensation they receive.

Please refer to our  Road Safety page  for more information. Also, please review the Law of the People's Republic of China on Road Traffic Safety .

Public Transportation:  Public transportation, including subways, trains, and buses, generally has a positive safety record and is widely available in major cities, although individuals on crowded buses and subways can be targeted by pickpockets. Aviation Safety Oversight:   The U.S. Federal Aviation Administration (FAA) has assessed the PRC government’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of the PRC’s air carrier operations. Further information may be found on the  FAA’s Safety Assessment Page .

Maritime Travel:  Mariners planning travel to the PRC should check for U.S. maritime advisories and alerts at the U.S. Department of Transportation (DOT) Maritime Security Communications with Industry (MSCI) web portal. Information may also be posted to the U.S. Coast Guard Homeport website , and the U.S. National Geospatial-Intelligence Agency (NGA) Navigational Warnings website .

The Commandant of the Coast Guard is unable to determine if effective anti-terrorism measures are in place in PRC ports as required by 46 U.S. Code § 70108.

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
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• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in  China . For additional IPCA-related information, please see the  International Child Abduction Prevention and Return Act ( ICAPRA )  report.

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• Best overall
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• Best for medical-only coverage
• Best for reputation
• Why you should trust us

Best Cheap Travel Insurance of June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Best Cheap Travel Insurance Plans

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation:  Aegis General Travel Insurance
• Best for medical-only coverage:  GeoBlue Travel Insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

Compare the Best Cheap Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best Affordable Travel Insurance Overall

Hth worldwide.

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

Best Affordable Travel Insurance for Trip Cancellation

Aegis general travel insurance.

The Aegis General Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

Best Affordable Travel Insurance for Medical Coverage

Geoblue travel insurance.

GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs.

Read our GeoBlue travel insurance review .

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

Best Affordable Travel Insurance for Value

Nationwide travel insurance.

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review .

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Best Affordable Travel Insurance for Reputation

Trawick travel insurance.

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review .

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It's a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Why You Should Trust Us: How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

If you just want trip cancellation protection, go with the Aegis Trip Cancellation plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Health Insurance for Chinese Nationals Living Abroad

Health insurance for expats from china.

If you’re a Chinese citizen dreaming of an international move, you’re not alone. There are more than 50 million overseas Chinese nationals. The majority of this diaspora lives in southeast Asia. However, nearly every country in the world has a sizeable Chinese community. Some Chinese move abroad on a temporary basis to study, take up an internship or represent their company overseas. For others, the move is permanent. Often, expats from China join other relatives who have long been established in another country.

Whatever the motivation, Chinese expats can expect many cultural differences to adjust to. Every country has its own culture, style, and traditions. And, of course, every destination also has its own healthcare system. In many cases, they can look very different from the system in China. If you’re about to be an expat, it’s time to start researching new healthcare systems and preparing for your big move.

Will Your Chinese Health Insurance Cover You Abroad?

Healthcare coverage in China is based on residency. As such, when Chinese nationals move abroad, they must make arrangements to have their own health insurance. However, it is possible that some university students in China may be enrolled in an insurance policy that covers their international studies.

Understanding the Cost of Services Overseas as a Chinese Expat

Expats from China are often in for a big surprise when they see the cost of healthcare overseas. Many healthcare services at Chinese public hospitals are very inexpensive. As such, when Chinese citizens move abroad, they’re often shocked by how expensive similar treatments are in other countries. Services like X-rays or basic blood tests might cost just a few dollars in China but are easily $100 or even much more abroad.

However, expats from China may just be in for a pleasant surprise, depending on where they live. While many hospitals and clinics in China require patients to pay upfront before they are treated, this isn’t universal. Depending on the country and on the insurance you carry, you might not have to pay anything upfront at all. Many insurance companies allow for direct billing. Additionally, some countries have no copays or patient costs at all, depending on their universal healthcare structure. For people who are used to paying large bills, upfront, when they’re not feeling well, this is a nice change.

Buying Private Global Insurance While Living Abroad

Chinese expats don’t want to be caught abroad without comprehensive insurance coverage. Depending on where they move, they might be eligible to enroll in the public healthcare system. However, few countries offer coverage immediately upon arrival. In fact, many require proof that new residents hold independent insurance policies as a condition for residency visas. This is to demonstrate that you won’t be a drain on the public healthcare system that you’re not yet a part of. Having private global insurance means that you are never caught without coverage. Additionally, you have an entire support team behind you. Your insurance team can help you maintain your own medical records, get interpreters if needed, and provide comprehensive support.

Best Health Insurance for Chinese Nationals Living Abroad

The Cigna Global Health plan is a leading plan for Chinese nationals residing anywhere in the world. The plan offers multiple plan designs providing the option to pick and choose which benefits you find most appealing. The plan provides comprehensive and basic coverage options to meet the needs of all types of clients.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Best Medical Insurance in the US for Chinese Citizens

The GeoBlue Xplorer health plan provides Chinese nationals living in the USA access to the premier Blue Cross Blue Shield network of doctors and hospitals. The benefits are comprehensive and the customer service team is excellent.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

Differences in Medical Practices Outside of China

Attitudes towards traditional Chinese medicine vary widely around the world. In many countries, practices such as acupuncture are widely accepted and integrated into different parts of the healthcare system. For instance, acupuncture is commonly used in sports medicine and physiotherapy in Canada and the United States. However, in other countries, alternative medicine like homeopathy is widely accepted, but traditional Chinese medicine may not be. Often, these practitioners will have their own small clinics, and patients self-refer. While styles can vary from country to country, in general, there is little coordination of care between western medicine practitioners and alternative medicine practitioners. While many physicians are open-minded about traditional Chinese medicine, this isn’t always the case. Expats from China might have to look around to find a doctor who’s open to discussing all possible avenues of treatment.

Anticipating Gaps Between Urban and Rural Care

In China, healthcare in rural areas can be limited at best and non-existent at worst.  In rural areas, residents can take hours or even days to get to the nearest clinic. As such, the modest standards of rural healthcare in other countries might come as a pleasant surprise. However, Chinese citizens who are used to the exemplary hospitals in Shanghai and Beijing will be shocked by busy, crowded urban public hospitals around the world. Depending on where you come from and where you settle, your new healthcare model may be very different indeed.

Holding private insurance in addition to public insurance in your new country gives you the best of both worlds. Whether you’re in an urban or rural area, you can see specialists more quickly and enjoy shorter appointment wait times. Additionally, you’ll be seen in more private and comfortable facilities.

Public Health and Smoking

China lags behind many countries when it comes to public health policies about tobacco control. While smoking still remains popular in many Chinese workplaces and is seen as a sign of friendship, in many other countries, attitudes towards tobacco use are much more restrained. Tobacco is banned in workplaces, restaurants, and even most public spaces in many countries around the world. Public health campaigns about the dangers of smoking are vigorous. Chinese expats who smoke can expect their new physician to talk to them about this habit.

There’s another side to smoking that citizens from China will have to adjust to. While up to 74% of Chinese men smoke, less than 8% of Chinese women use tobacco. While men, in general, are more likely to smoke than women around the world, few countries have this kind of gender gap. As such, in environments where smoking is permitted abroad, Chinese expats may be surprised to see that women are indulging nearly as much as men are.

Time Abroad and Planning to Return Home

When you return home to China, you won’t automatically be enrolled in public health insurance. You’ll likely have to re-enroll with your local provider and possibly wait until coverage kicks in. If you have purchased a global medical plan, you can maintain that coverage in China until your local plan starts – up to a maximum of 6 months.

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Reporting by Sophie Yu in Beijing, Casey Hall in Shanghai and Lisa Barrington in Seoul; Additional reporting by Diana Mandia in Gdansk; Editing by Miyoung Kim and William Mallard

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Casey has reported on China's consumer culture from her base in Shanghai for more than a decade, covering what Chinese consumers are buying, and the broader social and economic trends driving those consumption trends. The Australian-born journalist has lived in China since 2007.

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Tibetan spiritual leader Dalai Lama arrives in New York for knee surgery

Tibetan spiritual leader dalai lama arrived in new york after a halt in switzerland's zurich on saturday..

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Tibetan spiritual leader Dalai Lama arrived in New York after a halt in Switzerland's Zurich on Saturday. The members of the Tibetan community and his well-wishers welcomed the Dalai Lama HHDL on his arrival in New York City on Sunday.

Dalai Lama left for Delhi from Dharamshala on Friday, to head to the US for his knee surgery. During his stop in Switzerland, he received a traditional Tibetan welcome on his arrival at a hotel in Zurich.

His well-wishers and guests watched as the Dalai Lama walked through the hotel lobby. He greeted an old friend as he walked through the hotel lobby in Zurich. Thousands of Tibetans and well-wishers with bouquets waited on the road to welcome the Dalai Lama as he arrived at his hotel in Zurich.

Tibetan artists performed traditional songs and dances as they waited for him to arrive at the hotel. While he was leaving from Dharamshala, the leadership of the Central Tibetan Administration, including Speaker Khenpo Sonam Tenphel, Sikyong Penpa Tsering, Deputy Speaker Dolma Tsering Teykhang, Tibetan Justice Commissioner Tenzin Lungtok, DIIR Kalon Norzin Dolma, Election and Public Service Commissioner Wangdu Tsering Pesur, Standing Committee Members of the Tibetan Parliament in Exile, and Secretaries of CTA Departments and Offices, gathered at Dalai Lama's official residence to see him off.

Moreover, many Tibetans gathered at the Kangra Airport to wish him well. Hundreds of Tibetans and devotees also thronged the streets to pay obeisance to the spiritual leader.

Last week, a bipartisan US Congressional delegation led by Congressman Michael McCaul met with the Dalai Lama in Dharamshala. Former US House of Representatives Speaker Nancy Pelosi, who was part of the delegation, "strongly reaffirmed" Congressional support for the people of Tibet.

She also launched a broadside against Xi Jinping, stating that while the legacy of the Tibetan spiritual leader will live forever, the Chinese President will be gone in a few years. (ANI)

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What are Chinese visitors to Hong Kong now buying? Insurance

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Roula Khalaf, Editor of the FT, selects her favourite stories in this weekly newsletter.

Hong Kong was once a favourite luxury shopping destination for mainland Chinese visitors. This year, fewer visitors are not only making shorter trips to Hong Kong but spending less. But there is an exception, somewhat less glamorous than designer watches: insurance.

The Hong Kong insurance industry posted a 12.2 per cent increase in total gross premiums to $21.1bn in the first quarter of this year, according to provisional statistics released by the city’s Insurance Authority. Total revenue premiums of active policies increased by 14 per cent, mostly driven by individual life insurance and individual retirement annuity businesses which increased by nearly a fifth.

Mainland visitors are the driving force behind this increase, with insurance sales to this group up nearly two-thirds to $2bn in the first quarter.

They are already boosting sales at AIA, which counts Hong Kong as its biggest market, with the value of new business in the city up 43 per cent, pushing up its value of new business margin to 64.3 per cent. Rival Prudential’s new business profit in Hong Kong has also been growing rapidly in the past year.

There are several reasons for the strong growth, despite the fact that the number of mainland Chinese travellers remains significantly lower than pre-pandemic levels. Chinese investors are losing their appetite for Chinese equities, which are down about 40 per cent from their 2021 peak, as well as local property. That has meant a stampede into insurance policies, which in some cases guarantee principal for more than a decade after buying the policy. 

Hong Kong’s insurance policies, especially those that offer dividend payments, have also been popular with investors in other parts of Asia — especially countries that have lower interest rates than Hong Kong, where the base rate is at 5.75 per cent. 

Increasing demand for more healthcare options offers a further boost. While China has a free public healthcare system, wealthier locals increasingly seek private healthcare insurance, one of the fastest-growing categories for insurers.

Shares of AIA are down nearly a third in the past year. But at 14 times forward earnings it trades at more than double the multiple of rival China Life Insurance, the largest mainland insurer. The premium reflects attractive long-term prospects. Ageing populations in the region — including in China, where an estimated 400mn people will be aged 60 and over by 2035 — should help sustain Hong Kong’s position as a higher-yielding destination for the insurance industry.

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International Edition

Election latest: Senior Tory demands 'robust action' on betting scandal; IFS warns of tax 'conspiracy of silence'

Tobias Ellwood, a former minister, has added to the pressure on Rishi Sunak over the election betting allegations. Elsewhere, the IFS think-tank has said Labour and the Conservatives have 'singularly failed' to address major issues facing UK economy.

Monday 24 June 2024 11:03, UK

• General Election 2024
• PM should suspend those alleged to have bet on election date - former minister
• Labour to 'simplify' transitioning process
• Sky to interview Northern Ireland political party leaders
• 'Many more people' under investigation in Tory election betting scandal
• Politics at Jack and Sam's: 10 Days to Go
• Live reporting by Tim Baker

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Sir Ed Davey, the Liberal Democrat leader, has been asked about the ongoing betting scandal.

Asked whether politicians should be subject to betting restrictions, he says: "I'd be happy to look at restrictions on politicians, of course, and I'd be happy for the Gambling Commission to put forward ideas."

He adds that the Tories "could do far more" on the scandal.

"It feels to me like, as has been so often the case during this Parliament, they seem to be in it for themselves, not for the public service.

"You see one rule for the Conservatives and another rule for others."

Our live poll tracker collates the results of opinion surveys carried out by all the main polling organisations - and allows you to see how the political parties are performing in the run-up to the general election.

It shows a drop in support in recent days for Labour and the Tories - with a jump for Reform and the Liberal Democrats.

Read more about the tracker here .

Sky business correspondent Paul Kelso was watching the economist Paul Johnson heavily criticise all the political parties over their financial plans.

Paul likens Mr Johnson to a "fiscal referee", with the Institute for Fiscal Studies "defensive" about its independent status.

The analysis of the economic situation was "withering", Paul says - and that it outlined how politicians were "dodging the fundamental underlying position of the British economy".

This is down to high debt interest rate payments, demographic changes, rising welfare and increasing defence spending.

Paul says of Mr Johnson: "His point is that unless there's some magical growth - perhaps not quite magical, but unexpected growth - in the forecast, whoever comes to power is going to have to either increase taxes or cut spending or increase borrowing. 

"And none of the parties are willing to talk about that in detail."

Speaking from the Conservative campaign today, political correspondent Rob Powell says the Tory response will be to say their pledged tax cuts will increase growth, which in turn will bring in greater tax receipts - but has kept quiet on its plans if this does not happen.

And political correspondent Tamara Cohen is with Labour today.

She says the current opposition's response will be they are going for growth too - but haven't outlined their plans for tax rises or spending cuts if this does not happen.

Tamara adds that Labour is not really engaging with the question of what happens if the economy does not perform well.

Paul Johnson, the director of the well-respected Institute for Fiscal Studies, has given his verdict on the Labour and Conservative approach to the economy.

He does not pull his punches.

Mr Johnson says: "They have singularly failed even to acknowledge some of the most important issues and choices to have faced us for a very long time."

He highlights that taxes are at a record high and public services are struggling - and more services "will likely need to be cut over the next five years" if the government wants to get down.

The economist notes that a £50bn uptick in debt interest spending is particularly to blame - as well as a growing welfare state.

Mr Johnson's diagnosis is to call for a "primary surplus" - where taxes raise more than is spent on revenues (apart from debt interest).

"Not necessarily a recipe for a happy electorate," he adds.

The IFS chief says the rush to rule out tax increases has been damaging.

And he criticises Labour for its pledge to not increase taxes on working taxes - "who knows what this pledge is really supposed to mean".

For the Conservatives, he says they are planning to reverse many of the policies implemented since 2010 with their new tax cuts.

Mr Johnson says the Liberal Democrats have some good ideas - but also some less good ones.

And Reform's plans help "poison the entire political debate" by proposing things to make a change that are "wholly unattainable".

The Green Party plans to increase borrowing massively "would have unpleasant consequences".

He says: "The choices in front of us are hard. High taxes, high debt, struggling public services, make them so. 

"Pressures from health, defence, welfare, ageing will not make them easier. 

"That is not a reason to hide the choices or to duck them. Quite the reverse. Yet hidden and ducked they have been."

You can read more here:

The fallout from Nigel Farage's comments last week, in which he said the West had provoked Russia into invading Ukraine, continues.

Over the weekend, former prime minister Boris Johnson criticised Mr Farage's words as "nauseating ahistorical drivel and more Kremlin propaganda".

Now, Mr Farage has posted on social media, saying: "Boris, you are a liar and a hypocrite.

"I am glad you are no longer prime minister of this country."

He also attached two articles in highlighting comments from Mr Johnson in 2016 in which he appeared to blame the EU for Russia's 2014 invasion of Ukraine.

By Jason Farrell , home editor

With betting an unexpected theme of this election, we've taken our parliamentary bench to the Sheffield dog track.

Bookies are lined up beside the arena and the people of Sheffield have come for a perfectly legal flutter on which greyhound can run fastest, while chasing a mechanical hare that they will never catch.

Sheffield Brightside and Hillsborough is one of the most working-class constituencies in the UK - the seventh most deprived in England and Wales.

At the Owlerton Stadium a lot of the punters said they weren't going to vote, one man in his 80s proudly said he'd never voted, but those who said they are going to the ballot on 4 July, say they want change.

Callum Fradgley, greyhound trainer, said: "I would like to see Labour win it personally, but that's just a personal choice. I'd like a government that's going to be more for the working class."

Neil Kelly, a teacher on a day out with his family, said: "All you need to do is go into a school to see that the spending may be going up but it's not going up in line with everything else. I work in a school in Sheffield for autistic kids and the facilities we have at some of the sites are frankly Victorian."

Read Jason's full despatch below:

Sky deputy political editor Sam Coates has a bit more on the current situation with the election betting scandal.

He's heard the Gambling Commission has been sent hundreds of lines of entries in spreadsheets from various bookmakers to consider.

While this may seem like a lot, in terms of betting it's actually fairly small.

The commission had asked the betting shops to send over information on any bet placed in May and June on the date of the election that was due to win £199 or more.

Sam says: "I suspect the Tories are bracing themselves and waiting nervously to see whether any other names emerge. 

"I have to say, gambling industry sources that I've been speaking to in the last 24 hours don't think that there will be any more names - they think we've got the best of it. 

"But that could be very, very dramatically wrong in the next few hours."

Shadow health secretary Wes Streeting is speaking to Sky News this morning. 

Proposed changes to the way in which trans people would change gender under Labour are put to him.

This includes making it easier to get a gender recognition certificate - see more in our 6.47am post.

When it is put to Mr Streeting that some in the party may be uncomfortable with the changes, he says the Labour Party is in "a good place" on the manifesto.

"I think there are lots of people who've been reassured by Labour's position on this," he says, adding that there have been "difficult conversations" both in the party and across the country on the topic.

He says: "We have had some tension between how you treat trans people with dignity and respect and inclusion and also make sure that women's rights, voices, spaces are protected.

"And, you know, I think that, I feel very optimistic about the fact that we can reconcile those two things and move forward together as a country. 

"If we have a political culture that's about bringing people together and navigating our way through these conversations with respect, genuinely listening to different perspectives, rather than seeing these differences as divisions to be exploited."

With 10 days remaining until election day, Sky News  deputy political editor  Sam Coates   and Politico's Jack Blanchard discuss Rishi Sunak and Keir Starmer's battle in The Sun, the fallout from Nigel Farage's comments on the war in Ukraine, and the verdict from the Institute for Fiscal Studies on the party manifestos.  

👉 Tap here to follow Politics at Jack and Sam's wherever you get your podcasts 👈  

Email Jack and Sam: [email protected]

A former minister has called for Rishi Sunak to suspend the Conservative candidates accused of placing bets on the date of the election.

Speaking to the BBC, Tobias Ellwood - who is standing as a Tory candidate - said the issue was distracting from other topics in the election and would "no doubt" cost the party seats.

He said trust in politics had been a major issue in recent years, and the scandal was adding to the problem. 

Mr Ellwood said the public "wants to see clear, robust action".

Asked if the two implicated parliamentary candidates should be suspended, Mr Ellwood said that due to the "scale" of the scandal and the potential for it to distract from the campaign, he would agree.

He joins Sir Robert Buckland, the former justice secretary, in making the call for people to be suspended.

But he added that there needed to be a distinction between whether the alleged incidents were reacting to rumours, or whether they did have insider knowledge.

In order to prevent more scandals, he called for any current politician or party employee to be banned from placing bets in the future. 

Speaking to Sky News this morning, Northern Ireland Secretary Chris Heaton-Harris said it was right to wait for the outcome of the Gambling Commission investigation before taking action.

He insisted it was the correct course of action to take, even when a Conservative candidate had admitted to betting on the timing of a vote being called. 

"The Gambling Commission are looking into that, and we will act on what the Gambling Commission say," he said. 

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