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Travel Insurance for China and Hong Kong means you can go away with confidence knowing you’re covered. Whether you’re hiking the Great Wall, marvelling at the Temple of Heaven or enjoying the local delicacies.
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What is Travel Insurance for China, and do you need it?
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What does AllClear’s China Travel Insurance cover?
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AllClear’s Travel Insurance for China with pre-existing medical conditions
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Find the best China Travel Insurance for your trip
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How our Travel Insurance for China works: A simple 3 step quote process
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Frequently Asked Questions on China Travel Insurance
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Get the most out of your trips with our helpful guides
Travel Insurance for China and Hong Kong means you can go away with confidence knowing you’re covered. Whether you’re hiking the Great Wall, marvelling at the Temple of Heaven or enjoying the local delicacies.
What is Travel Insurance for China, and do you need it?
Travel Insurance for a China trip protects you if something goes wrong. Whether you’re injured, your bags are stolen, or you have to cancel due to an unexpected emergency. 97% of our customers would consider buying from AllClear again².
UK tourists do not have access to free healthcare in China, and your GHIC will not work there. The FCDO says medical care for visitors to China ”can be very expensive.” There are many other reasons to get China Travel Insurance:
- Flights to China aren’t cheap. One-way direct flights can cost around £571. Think how much money you could lose if you have to cancel
- The FCDO says: “Medical evacuation from China is extremely expensive. Make sure that you have comprehensive insurance, covering healthcare and medical evacuation/repatriation to the UK”. In fact, ABTA estimates the cost of an air ambulance from outside Europe back to the UK as between £65,000 – £74,000
- “China is in an active seismic zone and can experience major earthquakes,” says the FCDO. Travel can also be impacted by typhoons, flooding and storms. Our optional extra Natural Disasters cover can help with costs if your holiday is disrupted³
If you have a pre-existing medical condition. You can travel with peace of mind, knowing we’re a specialist travel insurance with medical conditions provider. 99%+ of all claims are paid within 5 working days⁴.
If you’re heading to China as part of a backpacking trip or longer holiday. Take a look at our long stay Travel Insurance for China policies. If you have any questions, our award-winning customer service team⁵ will be happy to help.
Get your quote online now or phone us for free.
For full details of AllClear Travel Insurance for China and Hong Kong, read our Policy Wording.
What does AllClear’s China Travel Insurance cover?
If you’re looking for the best Travel Insurance for China. Make sure you’re clear on what is and isn’t included:
What’s covered?
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- Medical cover: AllClear policies include emergency medical cover, including costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment
- Cancellation and cutting your trip short: Cover for your flight and accommodation costs if you unexpectedly have to cancel for reasons outside your control. We’ll also cover you if you need to return home early following an emergency
- Your baggage: Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departures: We’ll compensate you for the time if your flight is delayed. If you miss your flight due to reasons outside of your control. You’ll also be covered for accommodation and transport costs
- Personal liability: Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday
- All ages: We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit
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What’s not covered?
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- Deciding not to travel: We do not provide any cover if you can travel but choose not to
- Other regions: We won’t cover you if you travel outside your chosen region. Although you can contact us to upgrade your policy at any time
- Claims below the value of excess: You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare: You need to provide us with an accurate medical history when you buy Travel Insurance, so we can give you the right cover. This is especially vital for senior travellers and those with long-term conditions
- Activities: Always check that any activities you plan are included by reading the Policy Wording. We offer a range of optional extra cover if needed. We do not cover winter sports for anyone over 65
- Travelling against government advice: If travel to the region you’re visiting is advised against, you will not be covered if you go anyway. Always check the FCDO website
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For full details of what is and is not covered with China Travel Insurance, check your Policy Wording.
We tailor all our travel policies to you with three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
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| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and cutting your trip short | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Travel Insurance for China with pre-existing medical conditions
If you have a pre-existing medical condition. You may have faced issues finding Travel Insurance for a China trip in the past. As a specialist travel insurance for medical conditions provider, 99%+ of customers are offered cover⁶. We can cover more than 1,300 conditions, including those with a terminal prognosis.
Some of the conditions we most commonly cover include: diabetes, heart disease, stroke, asthma, cancer and arthritis.
We’ve designed our medical screening process to be quick and easy. Our team is on hand if you have any questions about China Travel Insurance.
You must disclose to us if you or anyone else insured on the policy has:
- In the last two years, taken any prescribed medication or received medical treatment or advice at a hospital, clinic, GP surgery or via remote consultation;
- Received or been offered palliative care;
- Been placed on a waiting list that could cause you to cancel or curtail your trip;
- Been advised of a terminal illness.
We cover: All medical conditions. All ages. All destinations. Get your quote online now or phone our friendly team for free.
Read our Policy Wording for full terms and conditions and details of covering pre-existing medical conditions.
Find the best China Travel Insurance for your trip
With such a big and diverse country, there are so many things you could get up to in China. From taking in the culture and history to seeing the pandas or hiking in the mountains. We have a range of China Travel Insurance policies and optional extras for your trip:
- Annual Travel Insurance to China: If you’re going away more than once this year, you could save time and money with a multi-trip policy
- Single Trip China Travel Insurance: If your dream trip to China is your one holiday of the year
- Backpacking and longer trips: Lucky enough to be backpacking or going away for a while? Our long stay policies are for you
- Water and extreme sports: Read our Policy Wording for a list of activities that are included in our standard policies. We have optional extra cover available for many that aren’t
- Gadget cover: Protect your phone, laptop, tablet or camera while you’re away with our optional cover
- Natural Disaster cover⁷: Earthquakes, typhoons and floods can happen in parts of China. We have optional Natural Disaster cover, which can help with costs if your holiday is disrupted
Read our Policy Wording for full terms and conditions for Travel Insurance to China.
How our Travel Insurance for China works: A simple 3 step quote process
Get your China Travel Insurance quote quickly and easily. In just 3 steps…
- Tell us about you and your trip
You can let us know online or over the phone.
2. If you have any pre-existing medical conditions, let us know
You must declare your pre-existing medical conditions. If you don’t, we won’t be able to cover you for any issues arising related to them. We have a simple medical screening process, and our team are on hand to help if you need them.
3. See your quote
Read our Policy Wording for full details, terms and conditions and exclusions.
Once we’ve given you your quote, you can buy your Travel Insurance for China and Hong Kong straight away. Or you can keep your quote for later.
Remember: Always read our Policy Wording before purchasing China Travel Insurance.
“China is an inspiring destination for even the most adventurous traveller. While you’re excited about your trip, you may also have some concerns. Buying the best Travel Insurance for China means you can travel with confidence knowing you’re covered. You should always look for a policy that includes medical repatriation.”
Letitia Smith – Head of Communications.
What our Customers Say
We’re proud to say our Gold Plus and Platinum Travel Insurance is a Which? Best Buy⁸. Find out what our customers have to say about us on Trustpilot.
Buying Travel Insurance for a trip to China
“I found Vanessa’s help invaluable when I bought my travel insurance for a trip to China. She was kind and thoughtful and guided my way through the process with care. I have medical issues that need addressing and she waited patiently while I sorted out the information she needed. Thank you Vanessa.”
Frequently Asked Questions on China Travel Insurance
Is Travel Insurance mandatory for China?
It is not currently compulsory to have Travel Insurance for China. However, it is strongly recommended. If you become ill or are injured while you are away, medical care costs for tourists can be high. You should consider the cost of medical repatriation if you need treatment back in the UK. Travel Insurance will also cover your belongings if they’re lost, damaged or stolen.
Entry requirements may change, so always check the FCDO website for the latest information.
Do you need Travel Insurance to get a visa for China?
You do not have to have Travel Insurance for China to get a visa. You may be asked to prove that you have the means to pay for any medical treatment you need while you are away. While some tour operators may insist that you have China Travel Insurance.
Buying a comprehensive Travel Insurance to China policy is highly recommended. It will mean you can travel with confidence, knowing you’re covered if something goes wrong.
Visa requirements sometimes change. Make sure you check official sources such as the FCDO website before travelling.
How much does China Travel Insurance cost?
Travel Insurance for China and Hong Kong will vary in price. The cost will depend on:
- Your age
- Any pre-existing medical conditions
- How long you’re going for
- Whether you’re visiting any other countries on the same trip
- Any additional cover you require. e.g. Cover for any activities that aren’t included in a standard policy
- Whether you wish to include cancellation cover in your policy
Get your quote online now or phone our team.
Can visitors get free healthcare in China?
No, visitors do not have access to free healthcare in China. You cannot use your Global Health Insurance Card (GHIC) in China, and there is no reciprocal healthcare agreement.
Depending on the treatment you need, healthcare can be expensive for visitors. This is why it’s important to buy a Travel Insurance for China policy. It will mean you don’t face high costs from your own pocket.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on ensuring you remember everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
