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Travel insurance for China: Which one should you choose?
Find everything you need to know about travel insurance for China here — costs, benefits, and drawbacks of each option.
For your next trip to China, we’ve gathered the best insurance options to make your adventure in the Asian country an even better experience. In any unexpected or emergency situation, it’s best to let the experts handle the issues while you keep enjoying your journey.
We’ve done the homework to help you find the best travel insurance for China. We’ll show you what it should cover, why having good insurance matters, and finally, we’ll share our view on which option is the best for your trip.
We’ll also give you a connectivity recommendation, which you can’t skip when travelling, because you’ll need to check maps, translate words, or simply use the internet to contact your insurer in an emergency.
Why get travel insurance for China?
No matter what happens, getting travel insurance for China is always a smart investment, as it’ll back you up during any emergency.
Travel insurance helps reduce unexpected health issues from accidents or illnesses, as well as legal problems or loss of luggage during your trip.
Insurance can handle many incidents financially and logistically. You won’t need to pay certain costs yourself because your insurer will manage them.
What should travel insurance for China cover?
Some aspects must be included in travel insurance for China, as every destination has unique details to consider when buying coverage.
- Medical assistance: Make sure you understand how China’s healthcare system works. That way, you’ll know the potential costs of treatment or hospitalisation and can choose the right coverage amount for medical assistance in this country.
- Medical and funeral repatriation: You must have coverage for funeral repatriation in case of death, and medical repatriation if an illness or injury keeps you hospitalised for a long time. Your insurer will ensure you return home to recover properly.
- Loss or theft of luggage: Your insurance should protect your personal belongings, which can get lost or stolen at the airport or anytime during your trip. We strongly recommend including this coverage.
- Trip cancellation: If your flight gets cancelled for any reason, this coverage simplifies all procedures and costs from cancelling an international trip at the last minute.
- Driver’s insurance: If you plan to drive in China, ensure your policy includes car accident coverage, third-party damages, and even legal assistance.
- Efficient assistance: Check that your insurer offers 24/7 support every day of the week. Also, keep their contact numbers and chat links handy for whenever you need them.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM or pocket WiFi for China, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Comparison of the best travel insurance for China
We’ll compare several companies that meet key coverage features for your trip to China. Our goal is to help you choose the best insurance according to your preferences.
Please note that these prices are approximate, so you should check each insurer’s official website, as promotions or updates may change the values mentioned here.
| Features | Assist Card | Heymondo | AXA Assistance | Allianz Travel | World Nomads |
| Price for 7 days | $73.63–184.42 (€68.50–171.60) | $43.52–93.78 (€40.50–87.30) | $66.74–82.76 (€62.10–77.00) | $83.21–116.12 (€77.40–108.00) | $52.02–82.71 (€48.40–77.00) |
| Medical expenses | $1,000,000 (€931,000) | $6,000,000 (€5,586,000) | $100,000 (€92,000) | $500,000 (€460,000) | Unlimited |
| Dental emergency | $1,000 (€930) ($300 per tooth) | $350 (€325) | $3,000 (€2,790) | $300 (€276) | $500 (€465) |
| Medical repatriation | $100,000 (€92,000) | Included | $50,000 (€46,000) | Included | $500,000 (€460,000) |
| Luggage loss or theft | It doesn’t include | $3,500 (€3,255) | $3,000 (€2,790) | $3,000 (€2,790) | $3,500 (€3,255) |
| Flight cancellation | Due to Covid-19 | Optional | Yes | Up to $10,000 (€9,300) | $10,000 (€9,200) |
| Extreme or outdoor sports coverage | $10,000 (€9,200) | Included | $3,000 (€2,790) | It doesn’t include | It doesn’t include |
| Pregnancy assistance | $10,000 (€9,300) up to week 26 | It doesn’t include | Up to week 26 | It doesn’t include | It doesn’t include |
| Legal assistance for third-party accidents | $10,000 (€9,200) | $70,000 (€65,100) | $5,000 (€4,650) | Up to $1,500 (€1,395) | $2,500,000 (€2,325,000) |
The 5 best travel insurance options for China
Each of the five insurers offers different features, so let’s explore their main benefits for your trip and where they’re less strong. Let’s begin:
1. Assist Card
This insurer offers significant medical coverage of up to $3,000,000 (€2,790,000) under its premium plan. However, some coverages require separate add-ons because they’re not included in all plans.
Here are the plans offered by Assist Card:
- Privileged: $100 (€93) covers 7 days in China.
- Premium: Costs $85 (€79.10) for 7 days.
- Classic: $72 (€67.00) for 7 days in China.
- Million: $148 (€137.60) for 7 days of coverage.
- Infinity: A premium plan for 7 days at $182 (€169.30).
| Strengths | Weaknesses |
| Has offices in several countries. | Cheaper plans lack key coverages. |
| Wide range of plans available. | Refund processes can be slow. |
| Good reviews for its mobile app. | Customer service rated average. |
2. Heymondo
Heymondo offers highly personalised medical coverage. Moreover, you can choose a coverage amount for certain electronic items or for trip cancellation. That means they offer plans with greater flexibility.
Here are the available plans:
- Tranquillity Trip: $43.52 (€40.50), offering basic and partial coverage across several areas.
- Top Trip: $70.59 (€65.70), a mid-level plan covering various incidents at moderate costs.
- Premium Trip: The company’s most complete plan costs $93.78 (€86.56). It lets you choose coverage amounts for specific items, adapting to your personal needs.
| Strengths | Weaknesses |
| Balanced price-to-benefit ratio. | Some plans exclude outdoor sports. |
| Comprehensive backpacker options. | Still gaining brand recognition. |
| No deductible on claims. | No pregnancy assistance included. |
3. AXA Assistance
This insurer is highly recognised, especially when applying for visas, as proof of insurance is often required. AXA offers comprehensive plans, though their prices may be higher than average.
- Adventure 60K: Costs $70.41 (€65.50) for 7 days and offers medical coverage of $60,000 (€55,800).
- Adventure 60K + Pre-existing: $75.55 (€70.30) for 7 days, adding $5,000 (€4,650) for pre-existing conditions.
- Adventure 80K: $66.74 (€62.10) for 7 days with $80,000 (€74,400) in medical coverage.
- Adventure 80K + Pre-existing: $118.09 (€110.00) for 7 days, plus $6,000 (€5,580) for pre-existing conditions.
- Adventure 100K: $82.64 (€76.90) for 7 days with $100,000 (€93,000) coverage.
- Adventure 100K + Pre-existing: $90.46 (€84.20) for 7 days, including $7,000 (€6,510) for pre-existing conditions.
| Strengths | Weaknesses |
| Reliable for visa applications. | Higher costs than competitors. |
| Includes medical chat service. | Slow refund processes. |
| Partnered hospitals and clinics. | Some services only in English. |
4. Allianz Travel
Allianz Travel Assistance offers comprehensive coverage with reasonable medical limits depending on the plan chosen. You’ll find clear distinctions between plans based on price and features. Here are their main options:
- Holiday, Assistance & Cancellation Bronze: $83.21 (€77.40) for 7 days, covering medical assistance, flight cancellations, repatriation, and early return.
- Holiday, Assistance & Cancellation Silver: $103.03 (€95.90) for 7 days, includes $100,000 (€93,000) medical coverage and luggage loss protection.
- Holiday, Assistance & Cancellation Gold: $116.12 (€108.00) for 7 days, offers higher medical coverage and video or phone consultations with doctors.
| Strengths | Weaknesses |
| Globally trusted brand inspires confidence. | Lengthy and complex conditions. |
| Fast refunds for claims. | Slow responses in certain countries. |
| Great for multi-trip and long-term travel. | Premium cover can be pricey compared to similar competitors. |
5. World Nomads
This insurer specialises in coverage for young remote workers and backpackers. It’s ideal for long and adventurous trips, covering many sports such as hiking, diving, cycling, skiing, or even paragliding.
These are their available plans:
- Standard: $52.03 (€48.40) for 7 days, with up to $5,000,000 (€4,650,000) in medical coverage.
- Explorer: $82.71 (€77.00) for 7 days, offering unlimited medical assistance.
| Strengths | Weaknesses |
| Covers over 150 extreme sports from the basic plan. | Less competitive pricing. |
| 24/7 multilingual support. | Website not very intuitive. |
| Extendable coverage while abroad. | Some restrictions apply when extending from overseas. |
Which is the best travel insurance for China?
Choosing travel insurance that suits your trip and needs is as important as the journey itself. For this reason, and based on what you’ve seen about each insurer’s coverage, we believe that Heymondo has everything you need.
Besides offering plans that can adapt to your preferences, you’ll have effective medical coverage and assistance through their app, as confirmed by user reviews. They also include multiple types of assistance in their basic plans, which you won’t find in most competitors.
Although it doesn’t yet have the same recognition as other travel insurers, its prices are affordable and its coverage suits every type of traveller.
Connectivity while travelling in China
Staying connected while travelling is essential because it lets you contact your family, friends, or even your insurer. You can also access tourist information, Google Maps, and request transport services like Uber.
Holafly’s monthly subscription plans are the best choice if you’re staying in China long-term. They provide coverage in over 160 countries, perfect for frequent travellers, and you can share your 25 GB or unlimited data with other devices.
If your stay is short, you can install Holafly’s China eSIM. It gives you unlimited data for the days you need, with no roaming costs or SIM changes.
Frequently Asked Questions
Yes, most insurance companies now cover medical expenses related to Covid-19, wherever you travel, including China.
No, travel insurance isn’t mandatory to enter China. However, it’s highly recommended since you could get sick, have an accident, or lose your luggage. Insurance gives you financial and practical support in those cases.
Some insurers allow you to buy coverage during your trip. However, you might face certain restrictions that wouldn’t apply if you bought it before travelling.
An ideal insurance policy for China protects you from accidents, illnesses, and includes medical and funeral repatriation, plus coverage for luggage loss or theft.
There’s no fixed amount for medical coverage in China. It depends on your budget, trip length, and health history.
