Visiting China soon? Start here

Visiting China soon? Start here

Travel insurance for China

Don’t leave for China without travel insurance.

The Chinese medical system is not the same as back home. Hefty medical costs may be required upfront, and English may not be spoken.

So, if something were to happen, would you be able to cope – both mentally and financially – if you didn’t have cover?

Fortunately, we’ve teamed up with VisitorsCoverage to give you a great deal on travel insurance for China. With VisitorsCoverage, it’s easy to find, compare and buy the best travel insurance for your China trip!

What’s the best travel insurance for China?

For total peace of mind during your trip, a comprehensive plan is best for China. It’s also recommended if you have any pre-existing conditions or you’re elderly.

If you’re looking for basic coverage at an affordable price, a limited plan may be best.

It really depends on your personal circumstances (such as your health), how long you’re going for, and how much money you want to spend to look after you and your loved ones.

What’s the cheapest travel insurance for China?

If you want basic coverage and limited benefits, choose a limited plan (also known as a fixed benefit plan).

Just keep in mind that the cheapest plan may not include things like Covid-19 treatment or pre-existing conditions.

To keep your premium low, you can also choose a higher deductible. This applies to comprehensive plans too.

Cover for COVID-19 in China

Want cover for Covid-19 treatment in China?

Then simply choose a travel insurance medical plan on VisitorsCoverage that includes this benefit. You’ll find these plans clearly marked with a green tick.

You can also select a plan that doesn’t include Covid-19. Generally, these plans are a bit cheaper.

Is travel insurance mandatory for China?

No, it’s not mandatory for China. However, it’s recommended if you want cover for medical expenses while you’re traveling there.

Accidents and medical emergencies happen all the time in China, and foreigners are not immune.

Whether you’re in Beijing, Shanghai, or somewhere off the beaten track, paying a little bit of money upfront for insurance can save you from forking out huge medical bills.

Hopefully you don’t need to use your travel health insurance in China, but it’s nice knowing it’s there if you need it.

Traveling to China soon?

As well as getting travel insurance, make sure you’ve got these things sorted:

  • The right visa – if you’re only staying for a quick trip, you may be eligible for visa-free travel.
  • Cash or Alipay – your credit card may not be accepted, so bring yuan or use Alipay.
  • VPN app – if you want access to all your favorite websites and apps, you’ll need to get a VPN that works in China.

Have a safe trip in China. And don’t forget your travel insurance!

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. Commercial relationship disclosure: The Helpful Panda has commercial arrangements with organizations that may appear on this page, such as affiliate links. See our terms for more info. Page last updated 20 January 2023.


All your favorite websites and apps like Facebook, Instagram, YouTube, WhatsApp, Google and Gmail are banned in China. So, you’ll need to download a virtual private network (VPN) app before you go. We’ve reviewed the best VPNs to help you access the internet freely in China.

Unlock all your favorite sites in China like Facebook, Instagram, Gmail, WhatsApp and more. We've partnered with ExpressVPN so you can get a great deal.
Avoid hefty medical bills if something goes wrong in China by getting travel insurance. VisitorsCoverage is our trusted travel insurance partner.
Get great deals on hotels, flights, tours and train tickets in China. For the best local knowledge, we recommend Trip for all your bookings in China.
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