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Allianz Care, AXA, MSH International, April International, and VUMI have the best travel insurance for a trip to China. It’s essential to make sure the plan you choose has sufficient coverage for medical expenses, medical evacuation, trip cancellation, and lost or delayed baggage.
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Are you traveling to China soon? Need help figuring out which travel insurance provider to trust and which benefits to secure?
Whenever you’re traveling, a travel insurance plan is crucial to ensure that you are covered. China is no exception. Private healthcare in major hubs can be expensive, and rural areas may not have the medical facilities you need. Travel insurance is crucial for peace of mind.
In this article, we’ll highlight the five best travel insurance plans best suited for your trip to China, why travel insurance matters, what to look for in a travel insurance plan, and how to choose a plan that’s right for you.
Why You Should Get Travel Insurance for China
Travel insurance is essential for a trip to China for several reasons, from ensuring access to healthcare during your stay to covering unexpected medical bills. In addition to medical coverage, travel insurance also insures financial losses from baggage loss and trip delays.
What to Look For When Choosing Travel Insurance for China
When choosing a plan for your trip to China, look for plans that include medical coverage for accidents, protection for lost or delayed baggage, and emergency evacuation. China is a big country, and depending on your destination, quality medical facilities may be scarce.
Medical Expenses
Private hospitals are reliable in China, but they can also be expensive. Without proper coverage, you may find yourself paying significant medical bills out of pocket.
Even simple issues like food poisoning or a motorbike scrape can require tests, X-rays, and prescriptions. A good policy gives you access to care without stressing over costs.
Medical Evacuation
Outside of major hubs such as Beijing and Shanghai, medical evacuation is a crucial benefit. Emergency transportation can cost a lot of money, especially when you are exploring the rural areas of China. It’s not something you want to pay for yourself in a time of crisis.
Evacuation coverage also includes transport between hospitals or back home if needed. Make sure your plan offers 24/7 emergency assistance services so you’re not left figuring things out alone during a health emergency far from city hospitals.
Trip Cancellation/Interruption
Trip cancellation and interruption coverage helps you recover costs from flights, hotels, and activities that are non-refundable if your plans take an unexpected turn. Unpredictable weather, family emergencies, or illness can force last-minute changes.
There are many forms of efficient transportation to take when exploring China, from high-speed trains to domestic flights. Connecting between different transportation modes can cause delays, which can lead to missing your flight or train.
If you miss a connection or need to reroute, trip cancellation/interruption coverage helps minimize financial loss and reduce the stress of rebooking tickets on your own.
Baggage Loss or Delay
Baggage delay or loss coverage helps you replace essentials and stay comfortable while waiting for your luggage. This coverage can often reimburse the costs of essentials such as clothes, toiletries, or gear for planned activities.
With the right policy, you can claim these expenses and avoid disruption. Be sure to keep receipts and report the delay as soon as it happens.
Best Travel Insurance for China
When traveling to China, some of the best travel insurance options come from Allianz, AXA, MSH International, April International, and VUMI. These providers offer comprehensive coverage tailored to meet the needs of travelers.
For a more comprehensive comparison, read our list of the 10 best travel insurance companies.
Allianz Care in China
Allianz Care offers several travel insurance options for those looking to visit China. Their plans offer different variations of single-trip insurance plans, ranging in degrees of coverage, as well as multi-trip plans that keep you insured wherever your travel takes you.
Allianz Care single-trip plans available to travelers visiting China include:
- OneTrip Prime: Trip cancellation up to USD $100,000; trip interruption up to USD $150,000; emergency medical up to USD $50,000; baggage loss or damage up to USD $1,000; and much more.
- OneTrip Basic: Trip cancellation up to USD $10,000; trip interruption up to USD $10,000; emergency medical up to USD $10,000; baggage loss or damage up to USD $500; and much more.
- OneTrip Premier: Trip cancellation up to USD $200,000; trip interruption up to USD $300,000; emergency medical up to USD $75,000; baggage loss or damage up to USD $2,000; and much more.
- OneTrip Emergency Medical: Emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; travel accident coverage up to USD $10,000; and much more.
- OneTrip Cancellation Plus: Trip cancellation up to USD $5,000; trip interruption up to USD $5,000; travel delay up to USD $150, plus 24-hour hotline assistance
Allianz Care multi-trip plans available to travelers visiting China include:
- AllTrips Basic: Emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.
- AllTrips Premier: Trip cancellation and trip interruption with options from USD $2,000–$15,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $500,000; baggage loss or damage up to USD $2,000; travel delay up to USD $1,500; and much more.
- AllTrips Executive: Trip cancellation and trip interruption with options from USD $5,000–$10,000; emergency medical up to USD $50,000; emergency medical transportation up to USD $250,000; baggage loss or damage up to USD $1,000; travel delay up to USD $1,600; cover for business equipment; and more.
- AllTrips Prime: Trip cancellation up to USD $3,000; trip interruption up to USD $3,000; emergency medical up to USD $20,000; emergency medical transportation up to USD $100,000; baggage loss or damage up to USD $1,000; travel delay up to USD $600; and much more.
AXA in China
AXA’s short-term international health insurance plan offers flexible coverage options ranging from 3 to 11 months, making it ideal for travelers to China. This plan provides the same comprehensive coverage, support, and expert global customer service found in their annual Standard plan.
What sets this plan apart from typical travel insurance is its inclusion of not only emergency medical needs but also general health expenses, which is particularly beneficial for those traveling to China, where access to healthcare can vary.
AXA has a strong presence in China, ensuring that travelers can receive reliable support and services during their stay. This makes it an excellent choice for those looking to ensure their health and safety while exploring the country.
MSH International
MSH International is a great short-term travel insurance provider in China. Their Start’Expat plan offers basic healthcare and traditional travel insurance. Their strong presence in China makes it one of the top choices for travelers and expats alike.
Find some of the featured benefits of the Start’Expat plan:
| Start’Expat Healthcare Benefits | |
| Non-Medical Travel Benefit | Coverage Limit |
| Flight Delay Leading to a Missed Connection
(only for technical reasons or due to weather conditions) |
Payment of a fixed amount of USD $320 |
| Theft, Total or Partial Destruction, or Loss of Luggage During Transportation by a Carrier | USD $2,160 ($27 deductible/suitcase) limited to 50% for valuables |
| Medical or Surgical Hospitalization | 100% of costs |
| Consultations with General Practitioners and Specialists | 100% of costs (up to USD $86 per procedure beyond 2 consultations) |
| Pharmaceutical Costs | USD $3,200 |
April International
April International offers premium travel insurance to visitors to China seeking comprehensive medical benefits. April International even offers coverage for pre-existing conditions to policyholders under 50 with a plan of three months or longer.
April International’s travel insurance plans offer short-term coverage up to three months. Benefits of choosing April International include:
- Over 30 years of experience
- Coverage for as little as one month and up to one year
- Access to private medical facilities of your choice across 2 million providers
- Local teams and experts offering assistance in multiple languages
- Coverage in over 180 countries
VUMI
VIP Universal Medical Insurance Group (VUMI) offers single-trip and multi-trip travel insurance solutions for travelers looking to visit China. Their travel insurance plans offer comprehensive medical coverage including coverage for pre-existing conditions.
VUMI travel insurance plans medical coverage highlights:
- USD $5,000,000 maximum lifetime benefit per insured person up to age 70
- Coverage of $500,000 for stable pre-existing conditions
- Hospitalization is covered at 100%
- Outpatient & specialist visits are 100% covered
- 100% coverage for prescription medications
How to Effectively Compare Travel Insurance Plans
When it comes to selecting travel insurance, taking the time to compare different plans is crucial for ensuring you have the right coverage for your needs. It is important that you first understand your needs before you compare coverages and compare insurance providers.
Understanding Your Needs
In order to effectively compare travel insurance plans, you must understand what you are going to need covered during your trip. The factors below are something that can help you determine what coverage your travel insurance is going to need.
Before comparing plans you should consider:
- Duration of your trip: Longer trips may necessitate more comprehensive coverage, while certain destinations with higher risks or remote locations may require specialized coverage options.
- Your destination: Evaluate the risks associated with your destination, such as political instability, natural disasters, or high crime rates. Ensure your policy covers these specific risks.
- Types of planned activities: If you’re engaging in adventurous activities like skiing, scuba diving, or hiking, ensure that your policy covers these specific activities. Some insurers offer optional add-ons for adventure sports coverage.
- Pre-existing condition: If you have any pre-existing medical conditions, it is crucial to ensure they are covered under the policy. Some policies may exclude coverage for pre-existing conditions or require additional premiums for coverage.
- Baggage loss/ trip delay coverage: Assess whether there is something that you want to bring, but cannot afford to lose it. For example, an expensive camera, branded clothes and accessories, etc.
Comparing Coverage and Benefits
While it is important to factor in affordability when securing travel insurance, it is also advisable for you to take out one that has adequate coverage compatible with your needs. These coverages ensure access to medical facilities or financial security for a worry-free trip.
Another important factor to consider when comparing coverage and benefits is to look at the exclusions. Travel insurance is valuable against trip disruption and medical emergencies, but it is not meant to cover everything during the trip.
Here are some general exclusions of travel insurance:
- Pre-existing conditions
- Dental treatment
- Mental or emotional disorders
- Pregnancy and childbirth
- Exploring an accident-prone area willingly
- Adventurous sports
- Bad weather forecast
- War-like situations
Researching Insurance Providers
Researching insurance providers will give you an idea of the overall service level. Start by researching reputable insurance companies that offer travel insurance, and slowly narrow down your options based on online reviews or feedback from family and friends.
With the abundance of online resources, you can easily assess the credibility of an insurance provider simply by searching the company name on search platforms. Customer reviews and ratings in the search results are solid proof of the trustworthiness of the company.
Checking Customer Reviews and Ratings
Utilize online resources such as Google Business Reviews and forums to check whether your insurance provider is credible and reliable. You can always check from two perspectives – customer service and claims processing.
When the insurance provider has good customer service, it can ensure that they are responsive, resourceful, and supportive. You are going to have a good time working with them, minimizing your effort and worry when it comes to dealing with insurance-related matters.
Another important aspect is claims processing. You might be interested in the speed and the success rate of making claims. If the results are positive, then it is more likely that you are going to have peace of mind without having to worry about failed claims or late reimbursement.
Frequently Asked Questions
Is it possible to secure travel insurance during my visit to China?
Whilst most travel insurance requires you to purchase coverage before your trip begins, some providers may offer plans that can be bought upon arrival, but the coverage may be limited. It is always better to secure a travel insurance before your travel.
Do I need travel insurance when visiting China?
Whether you’re traveling to China or any other destination, travel insurance is highly recommended to ensure that you have medical access without paying the full costs out of pocket. This provides you with peace of mind during your travels.
Can I extend my travel insurance if I decide to stay in China longer?
Many insurance providers offer policy extensions, but you should always contact your insurance provider or insurance broker before your coverage expires to discuss any potential changes that could occur to your policy’s terms and conditions.
Conclusion
China is a great travel destination, from bustling cities to mesmerizing natural scenery. A trip to China can widen your horizons, but to fully immerse yourself in the experience, travel insurance is crucial to ensure access to medical care and give you the peace of mind to enjoy your trip.
If you found value in this article, you won’t want to miss our blogs Travel Insurance in China: Coverage and Considerations and The Best Travel Insurance in Beijing.
If you are looking to insure your travels, Pacific Prime can help. With over 20 years of experience in matching expats and travelers with the right insurance solutions for their requirements and budget. Our expert advisors can give you a tailored list of policies from globally renowned providers.
Contact us today for impartial advice and an obligation-free quote, and have us protect your safety during your expat journey!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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