Best Travel Insurance for China in 2025
- The best travel insurance for China
- Is it currently safe to travel to China?
- Travel insurance requirements for Chinese visas
- Why Take Out Travel Insurance for China?
- Coverage included in travel insurance for China
- The cost of travel insurance for China
- How to Save on Travel Insurance for China
- Insurance coverage in China: What you need to know
- FAQ
Travel insurance for China: key takeaways
1. Definition: Travel insurance for China protects against medical emergencies, trip interruptions, and unexpected events during your trip.
2. Key protection: Travel insurance is not required for US citizens visiting China, but it provides important financial and medical protection.
3. Healthcare cost: Healthcare in China can be expensive; a one-night hospital stay for foreigners can average $300 to $500.
4. Price: A typical one-week travel insurance plan for China from the US costs approximately $30 to $60 per person.
5. Good to know: Some private hospitals in China may require upfront payment or proof of insurance prior to treatment.
Why trust HelloSafe?
HelloSafe is an international expert in travel insurance comparison, guiding over one million travelers each month. After reviewing 41 travel insurance policies available in the United States, our specialists are here to share everything you need to know to choose the best travel insurance for your trip to China.
The best travel insurance for China
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | USD 1.1M | Our top recommendation for travel to China. - high coverage ceiling - repatriation included - robust protection for legal and health risks |
| Cap Assistance 24/24 | USD 1.1M | Recommended for short or complex trips. - 24/7 medical helpline - no deductible - practical for emergency needs |
| Tourist Card | USD 550k | Suitable for tourism with core guarantees. - good health cover - emergency support - competitive pricing |
| Travel Pass Monde | USD 740k | Versatile coverage for all travel types. - broad medical limits - evacuation covered - supports varied travel plans |
| Globe Partner | USD 320k | Great for stays with essential protection. - overseas medical care - liability cover - simple terms |
| Globe Traveller | USD 550k | A solid option for quick or lower-risk trips. - basic medical limits - fast claims process - tailored for shorter visits |
- high coverage ceiling
- repatriation included
- robust protection for legal and health risks
- 24/7 medical helpline
- no deductible
- practical for emergency needs
- good health cover
- emergency support
- competitive pricing
- broad medical limits
- evacuation covered
- supports varied travel plans
- overseas medical care
- liability cover
- simple terms
- basic medical limits
- fast claims process
- tailored for shorter visits
Is it currently safe to travel to China?
As of June 2025, the U.S. Department of State advises travelers to exercise increased caution when visiting Mainland China and Hong Kong SAR, and to reconsider travel to Macau SAR, due to the risk of arbitrary law enforcement and regional regulations.
Here are their four main recommendations.
- Security risks: arbitrary enforcement of local laws, such as exit bans and detentions, has been reported in cities including Beijing and Shanghai. Avoid demonstrations, as authorities may apply national security laws broadly and without warning.
- Health risks: while no special vaccinations are required, local hospitals may demand payment up front and access for non-residents sometimes varies. Some COVID-19 testing may still be required in certain regions or facilities.
- Legal constraints: Chinese authorities hold broad discretion on what constitutes state secrets. Carrying sensitive documents or sharing them online can lead to serious criminal charges.
- Travel restrictions: in Xinjiang and Tibet, short-notice curfews and additional travel controls are possible. Strict entry rules for dual U.S.-Chinese nationals and limited access to U.S. consular services may affect emergency support.
Although not required, travel insurance is strongly recommended by the U.S. Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in China.
Travel insurance requirements for Chinese visas
No, travel insurance is not mandatory for U.S. citizens to obtain a visa or enter China for tourism or business purposes.
However, travel insurance is strongly advised due to the risk of high medical expenses, the possibility of accidents, or sudden health issues while abroad. Without insurance, travelers may have to pay hospital fees, medical evacuation, or other emergency costs entirely out of pocket.
According to our data, 80% of travelers purchase travel insurance before going to China, primarily because healthcare can be expensive and the country’s legal and medical systems present unique challenges for foreigners.
Why Take Out Travel Insurance for China?
It is an essential financial and medical protection for anyone going to China.
In China, treatment at private hospitals such as Beijing United Family Hospital or Shanghai East International Medical Center can be very expensive, often requiring upfront payment. Public hospitals may not offer English-speaking staff and standards can vary, especially outside major cities. Emergency care for foreigners is typically only available at private facilities, where costs can quickly escalate.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to the US in the event of a serious incident.
Here are some examples of healthcare costs in China.
| Example of medical treatment | Cost at Beijing United Family Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | ¥30,000 (USD 4,150) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | ¥18,000 (USD 2,500) | Up to 100% |
| I need to be repatriated | ¥300,000 (USD 41,500) | Up to actual expenses |
| I have appendicitis (consultation and surgery) | ¥50,000 (USD 6,900) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Coverage included in travel insurance for China
Here is a summary table of the main coverages you should look for in a travel insurance policy for China.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers treatment at hospitals and clinics, including emergency care, surgery, and specialist fees. Recommended limit: USD 100,000+. |
| 🚑 Medical evacuation and repatriation | Pays for air ambulance or evacuation to the US after a serious accident or illness, plus repatriation of remains if needed. Recommended: full actual cost. |
| 🏨 Hospitalisation | Includes overnight stays, surgery, intensive care, and post-surgery monitoring at facilities such as Beijing United Family Hospital or Shanghai East International. Recommended limit: USD 50,000+. |
| 💊 Medications | Refills and prescriptions provided during covered emergencies. Recommended: unlimited within reason. |
| ✈️ Trip cancellation or curtailment | Compensation if you must cancel or cut short your trip due to illness, accident, or a family emergency. Recommended: USD 2,000–5,000. |
| 💼 Baggage and personal belongings | Covers theft, loss, or delay of your luggage and valuables. Recommended: USD 2,500+. |
| 👨⚖️ Personal liability | Covers accidental damage caused to third parties or their property. Recommended: USD 500,000+. |
| ⛷️ Adventure and sports cover | Protection for injuries or incidents while participating in adventure activities, especially in areas like Yunnan or Tibet. Recommended: include if relevant. |
Recommended limit: USD 100,000+.
Recommended: full actual cost.
Recommended limit: USD 50,000+.
Recommended: unlimited within reason.
Recommended: USD 2,000–5,000.
Recommended: USD 2,500+.
Recommended: USD 500,000+.
Recommended: include if relevant.
Travel insurance included with local US providers or bank cards may offer limited coverage, with low reimbursement limits and many exclusions. It is safer to select a trusted insurer offering broad cover. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for China
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | USD 25–40 |
| 2 weeks | 45 years old | USD 45–75 |
| 1 month | 35 years old | USD 80–130 |
| 1 month | 70 years old | USD 180–300 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
Good to know
The cost of travel insurance is influenced by several factors: traveler’s age, trip duration, destination, type of coverage, and whether you select a cancellation option. Plans for longer trips, older travelers, or riskier destinations usually cost more. It’s important to keep these in mind when choosing the best policy, so you find the right coverage for your needs and budget.
How to Save on Travel Insurance for China
Here are some suggestions to optimize the cost of your travel insurance to China while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕒 Trip duration | Premiums are lower for shorter, continuous trips. Only insure the dates you’re in China to avoid overpaying. | Select exact travel dates to pay only for coverage you actually need during your time in China. |
| 🧑 Age of traveller | Older travelers often pay more, especially above 60, for China due to higher risk. | The insurer Heymondo does not increase its prices for people over 62. Compare plans to find age-friendly pricing. |
| 🏥 Level of coverage | Health care in private Chinese hospitals is expensive, so adequate medical limits matter, but avoid too high limits that raise costs unnecessarily. | Set a sufficient but not excessive medical limit, around USD 100,000, to keep your premium reasonable. |
| 👨👩👧👦 Family/group policy | Group policies can be cheaper than individual ones for family or friends traveling together to China. | Choose a family or group option to benefit from collective discounts and simple claims handling. |
| 🗓️ Purchase timing | Buying early allows comparison and sometimes results in better offers, especially if you want cancellation cover for your China trip. | Purchase soon after booking your flights to secure better deals and access special promotional offers. |
| 🧳 Deductibles/excess | Higher deductibles lower premiums but mean more out-of-pocket expense if you claim in China. | Select a higher deductible only if you are comfortable handling minor medical or baggage losses yourself. |
| ✈️ Trip purpose | Some policies cost more for adventure, business, or extreme sports, which are limited in China. | Select only the coverage relevant to your planned activities to reduce your premium. |
Insurance coverage in China: What you need to know
It’s completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health system—can protect you during a trip to China. Unfortunately, this coverage is often limited or insufficient.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in China? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | No, never | No coverage outside the US. No reimbursement or support for overseas medical emergencies or hospital stays. | Travel insurance covers USD 100,000+ for medical costs, including hospital admission and emergency evacuation in China. |
| Private health insurance (Aetna, Cigna, Blue Cross Blue Shield) | Yes, partly | May reimburse some outpatient or emergency medical expenses after return, usually under USD 5,000. No repatriation. | Travel insurance provides direct payment to hospitals in China, higher medical limits, and 24/7 multilingual assistance. |
| Classic credit card (Chase Freedom, Citi Double Cash, Wells Fargo Active Cash) | Yes, partly | Limited emergency cover, medical fees under USD 2,500-5,000. No baggage protection or trip cancellation. | Travel insurance covers USD 100,000+ for medical issues, trip cancellation, and lost luggage protection. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical cover up to USD 50,000, limited baggage delay and trip delay coverage. | Travel insurance covers medical costs exceeding USD 100,000 with more services and higher reimbursement for trip issues. |
Example
While working in Shanghai, Mark developed acute appendicitis. Emergency surgery and a three-day hospital stay cost $15,000. His Chase Sapphire Preferred card only reimbursed $500, and his basic employer health insurance covered another $2,000. With travel-specific medical coverage lacking, Mark faced a huge $12,500 out-of-pocket bill for necessary, urgent care.
Expert advice
Always review your insurance policy’s terms, exclusions, and coverage limits—some key events, like trip interruption due to a family emergency, may not be included. Carefully reading all conditions helps you avoid costly surprises during your trip. For maximum security and peace of mind, always purchase dedicated travel insurance that fits your specific journey.
FAQ
Do I need a visa to travel to China?
Yes, U.S. citizens need a visa to visit China, even for short stays. You must apply at a Chinese consulate or through an authorized agency before departure. Carry your original U.S. passport with the visa at all times while in China.
How do I purchase travel insurance for China?
Start by comparing policies using the HelloSafe travel insurance comparison tool. Carefully review cover levels and exclusions, especially for medical treatment and legal issues in China. Purchase your selected plan online and receive your certificate by email, ready for your embassy appointment or trip.
When should I buy travel insurance for my trip to China?
It is best to buy travel insurance soon after booking flights or accommodation. This allows you to access trip cancellation, interruption, or pre-trip benefits as soon as possible. Policies may cost as little as $40, depending on age and trip duration.
What are some common exclusions in travel insurance for China?
Typical exclusions are pre-existing conditions, high-risk sporting activities, incidents related to drugs or alcohol, and losses from unattended belongings. Most policies will not reimburse costs for civil unrest or border closures unless specified. Always check exclusions before buying.
Is medical care expensive in China for foreign travelers?
Yes, private hospitals in China often require payment up front and costs can easily exceed $100,000 for serious illness or evacuation. Without comprehensive insurance, you may be responsible for all expenses, which are not covered by U.S. health plans while abroad.
Can I extend my travel insurance if I decide to stay in China longer?
Some insurers allow you to extend your travel insurance from abroad, but you must apply before your existing policy expires. Extensions may be limited and subject to conditions, so it’s best to confirm this option before you travel.
Do I need a visa to travel to China?
Yes, U.S. citizens need a visa to visit China, even for short stays. You must apply at a Chinese consulate or through an authorized agency before departure. Carry your original U.S. passport with the visa at all times while in China.
How do I purchase travel insurance for China?
Start by comparing policies using the HelloSafe travel insurance comparison tool. Carefully review cover levels and exclusions, especially for medical treatment and legal issues in China. Purchase your selected plan online and receive your certificate by email, ready for your embassy appointment or trip.
When should I buy travel insurance for my trip to China?
It is best to buy travel insurance soon after booking flights or accommodation. This allows you to access trip cancellation, interruption, or pre-trip benefits as soon as possible. Policies may cost as little as $40, depending on age and trip duration.
What are some common exclusions in travel insurance for China?
Typical exclusions are pre-existing conditions, high-risk sporting activities, incidents related to drugs or alcohol, and losses from unattended belongings. Most policies will not reimburse costs for civil unrest or border closures unless specified. Always check exclusions before buying.
Is medical care expensive in China for foreign travelers?
Yes, private hospitals in China often require payment up front and costs can easily exceed $100,000 for serious illness or evacuation. Without comprehensive insurance, you may be responsible for all expenses, which are not covered by U.S. health plans while abroad.
Can I extend my travel insurance if I decide to stay in China longer?
Some insurers allow you to extend your travel insurance from abroad, but you must apply before your existing policy expires. Extensions may be limited and subject to conditions, so it’s best to confirm this option before you travel.
