Travel insurance for China

How much your travel insurance for China will cost depends on your personal situation. While there’s no one-size-fits-all answer, knowing what factors are used to calculate your premium can make it easier to choose the right cover for your trip. So, what can affect the cost? 

• How long your trip is – the longer your trip, the more likely you are to need to claim. Your premium might increase to reflect this. 

• Your age – older travellers, for example, might pay more because they’re at a higher risk of needing medical assistance. 

• Your medical history – if you have pre-existing conditions, declaring them when taking out a policy is essential. It might affect the cost, but it guarantees you’re properly covered. 

• Optional add-ons – choosing a policy with lower excess, higher limits, or additional cover like gadget protection or cruise plus cover may cost more. 

While travel insurance for China isn’t mandatory, it’s strongly recommended. The Foreign, Commonwealth & Development Office (FCDO) advises travellers to research their destination and take out a policy that covers their itinerary, planned activities, and emergency expenses. 

Travel insurance can protect you from a range of unexpected situations, such as trip cancellations, lost luggage, or delays that could disrupt your plans. If your passport is stolen, your flight is cancelled, or you need to cut your trip short, having the right cover in place can save you from unexpected costs and stress. 

Healthcare is another important consideration. Visitors don’t have access to state-funded medical care in China, and private hospitals often require upfront payment for treatment. Without insurance, medical expenses, including emergency care or repatriation back to the UK, can be costly. 

Whether it’s a missed connection, a lost bag, or an unforeseen illness, travel insurance can provide the protection you need to travel with confidence.