Travel Insurance for China

Travelling to China for a much-needed getaway? Compare your travel insurance options with Savvy.

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, updated on September 5th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Hether you’re wanting to visit historic Great Wall or explore the Forbidden City, it’s a good idea to take out travel insurance on your holiday to China. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to China?

You don't necessarily ‘need' travel insurance if you're taking a holiday to China. However, it's strongly recommended that you purchase a policy before you jet off on your next Asian holiday, whether you want to visit its abundance of ornate palaces or take a river cruise along the many lakes around Beijing.

China is a huge nation with almost every landscape and culture imaginable. From vast, unspoiled wildernesses dotted with ancient temples and architecture to cutting-edge, heavily crowded urban centres. However, there are many dangers lingering for tourists and visitors to look out for, so it's paramount you compare with Savvy and get the best travel insurance before leaving.

If you’re eager to experience all of what the East Asian nation has to offer, some of the incidentals to watch for include:

  • Regional tensions: the government in the Xinjiang Uyghur Autonomous Region has implemented stringent new security measures. The area's Muslim and ethnic minority residents are being detained without trial or other legal protections by the Chinese government. There have been rumours of forced labour camps and arbitrary detentions. Tense circumstances make it difficult to get reliable information on the area's current state. In addition, curfews and other restrictions may be imposed suddenly by the authorities.
  • Crime: pickpocketing, handbag snatching, and the theft of mobile phones and other electronics are all significant issues.  Criminals prey on tourists,  particularly in large cities.  Keep your wits about you and avoid toting around vast amounts of cash while you're in a busy area. Though serious crimes committed against foreigners are uncommon, they do happen, and there is a chance of armed bandit assaults in rural areas of China.
  • Fake money: the circulation of counterfeit cash in China is a significant issue. Fake banknotes circulate freely in the local marketplace, including shops, restaurants, and cabs. Don't deal with street money changers if you can help; bring little notes or specific change if you must.
  • Protests: without official clearance, protests in China are unlawful.  Anyone present at or taking part in a protest might be the target of intense scrutiny and perhaps criminal prosecution. Even foreign reporters covering protests have been imprisoned or threatened. Regions including Xinjiang Uyghur Autonomous and the Tibet Autonomous Region require added caution.
  • Diseases: The quality of China's tap water is questionable. Only drink water that has been sealed in a bottle. It has also been reported that the avian flu has claimed human lives in China. To avoid being struck down with the virus, avoid contact with live fowl. Instead, prepare chicken per the book and ensure it's cooked all through.
  • Pollution: large urban areas often have problematically high pollution levels. Therefore, when air quality is poor, it's essential to heed the recommendations of local authorities.

What’s covered by my travel insurance for my holiday to China?

One of the reasons you need travel insurance is to protect you if you become ill or injured while travelling, lose your things, or suffer flight cancellations or delays. Some of the ways travel insurance covers you include:

  1. Overseas medical bills: If you want peace of mind in case you become sick or hurt in China and need medical assistance, buying travel insurance is a great option. Chinese hospitals are of a good standard, but doctors and workers speak very little English and you may have to pay upfront.
  2. Evacuation or repatriation: you may need medical evacuation back to Australia if you are in a critical condition due to illness or injury. Luckily, your insurer can pay for your evacuation and repatriation, including if you need to disembark a cruise ship, which may cost up to $100, 000 without insurance.
  3. Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
  4. Lost, stolen or damaged bags: most insurance providers will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
  5. Individual items: taking a mobile phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen property.
  6. Travel delays: most travel insurance coverage includes hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner. Most insurers have limits on how much you can claim if your travel arrangements are delayed.
  7. Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, most companies may cover you up to $5 million.
  8. Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
  9. Optional extras: planning to go scuba diving in Qiandao Lake or mountaineering across Karakoram Park? Most travel insurance plans don't cover these activities automatically, but they do offer supplementary coverage for an added premium.
  10. Pet cover: if your return home is delayed due to sickness or travel disruptions, your travel insurance can cover the additional boarding costs for your pet.

However, most travel insurance companies won’t cover you for the following incidentals:

  1. Unapproved pre-existing medical conditions
  2. Lost personal items left unattended
  3. Breaking local laws and road rules
  4. Travelling for medical tourism
  5. Accidents caused by drug or alcohol use
  6. Travelling to a country against Australian government advice

What factors should I consider before buying travel insurance for a trip to China?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to China. However, by comparing with Savvy and getting a few travel insurance quotes, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you. If you’re over 80 and planning a trip to China, you’ll likely be paying a higher premium based on your age, so it will be worth shopping around to find the best seniors' travel insurance policy.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’re travelling to China but also taking a holiday to the UK within the year, it might be good to find a multi-trip policy may be more suited to you than single trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in China

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you want to go kayaking through the Ung Kong Islands or surf in Big Wave Bay, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison with Savvy. For example, most comprehensive policies allow you to claim up to $7, 500 if you lose your luggage or have it damaged while on holiday, compared to some other providers who only let you claim $3, 000.

Inclusions and exclusions

When searching for the best international policy for your trip to China, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

Why compare travel insurance with Savvy?

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Top tips for saving on your travel insurance to China

Combine policies

You can get group policies from providers covering you and your partner, your extended family, and even your children or grandchildren. Most travel insurance providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can take out cheaper travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use, whether you’re travelling for business or leisure. Before you purchase a travel insurance policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the international seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which travel insurance provider gives you the best travel insurance coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance to China

Does travel insurance for China cover me for COVID-19-related costs?

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in China and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to China as of October 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease. It’s also worth remembering that you may be quarantined at a government institution if you test positive for COVID-19 or are considered a close contact. No one will let you out of the hospital's isolation unit unless you've fulfilled all the necessary conditions for release. In addition, minors who test positive for COVID-19 are often denied permission by medical institutions to be accompanied by their parents during treatment.

Can I take out travel insurance if I’m already in China?

Yes – you can buy travel insurance online if you’re already wheels up and headed to China for your holiday. You won’t need much to take out travel insurance, only the details of your trip and some other important information. You’ll be afforded the exact coverage you would usually get if you purchased before departure. However, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

When is the best time to buy travel insurance for China?

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

How do I make a claim on my travel insurance if I’m in China?

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

  • Fill out your claim form with plenty of detail
  • Attach any documents, such as receipts, medical evidence, or proof of purchase
  • Submit your claim

 
The majority of the time, you should hear back from your travel insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

How much will my travel insurance to China cost?

There’s no average cost of travel insurance per se. instead, the price of your premium for a trip to China will be determined by a range of interchangeable variables, including:

  • Your age
  • The length of your trip and destinations
  • Whether you suffer any pre-existing conditions
  • If you need optional extras, such as adventure sports cover
  • The insurance company you’ve chosen
  • The level of cover you have purchased
  • What part of China you’re travelling to (for example, you may not be able to receive cover if you’re travelling somewhere experiencing a natural disaster or terrorism event)

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.