China Travel Insurance

Travel Insurance for China

Home to the Great Wall of China, a major tourist attraction for Americans. Tourists can also experience China’s multi-faceted cultures, history, and Asian cuisine.

Before you pack your bags to Beijing, Xi’an, Shanghai or other parts of the country, travel insurance is a valuable coverage that adds protection over your trip.


  1. What should your Travel insurance cover for a trip to China? 
  2. How does Travel Insurance for China Work?
  3. Do I need Travel Insurance for China? 
  4. How much does Travel Insurance cost for China? 
  5. Our Suggested AXA Travel Protection Plan
  6. What types of medical coverage does AXA Travel Protection plans offer?
  7. Are There Any COVID-19 Restrictions for Travelers to China?
  8. Traveling with pre-existing Medical Conditions? 


What Should Your Travel Insurance Cover for a Trip to China?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.


  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for China.



How Does Travel Insurance for China Work?

Fortunately, China is a fairly safe travel destination, although small risks such as petty theft and pickpocketing have been known to occur in public spaces and on public transportation. If your passport or other identification ends up missing on the train from Beijing to the Gobi Desert, your AXA Travel Protection Plan will help you replace your documents.
Here is how travelers can benefit from an AXA Travel Protection Plan:


Medical Benefits:

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 


Do I Need Travel Insurance for China?

While the Chinese government does not require travelers to purchase travel insurance, it offers valuable protection when you are far from home on an overseas trip.
Unexpected issues are less problematic when you can rely on your travel insurance plan to help assist you with issues that may come up.
Why? There are several reasons:


  • Trip Interruption: Severe weather, illness or another eligible event may disrupt your trip or cause you to end it sooner than you planned. Travel insurance may pay reasonable expenses according to the per-day limit and maximum benefit.

  • Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  • Missed Connections: Direct flights to China are available but some travelers may have connecting flights. If you miss a connection because of unforeseen circumstances, travel insurance can pay reasonable expenses up to a daily limit for meals, transportation and accommodations.


How Much Does Travel Insurance Cost for China?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 


  • Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
  • Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 


With AXA Travel Protection, travelers to Spain will be offered three tiers of insurance: Silver, Gold and Platinum. Each provides varying levels of coverage to cater to individual's preferences and travel needs. 


Our Suggested AXA Travel Protection Plan 

AXA presents travelers with three travel plans – the Silver Plan,Gold Plan, and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Argentina hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

Broader coverage is available under the Platinum Plan which is a good choice for China travelers who want additional coverage. For example, Cancel for Any Reason is an optional coverage that offers greater flexibility to travelers. The Collision Damage Waiver coverage is another option, and it covers collision, theft or damage to a car you rent for your China trip.

With over 500 golf courses to explore, China is a golfer’s paradise, and Lost Golf Rounds can pay up to $500 per day if you have to cancel a tee time due to weather or some other unexpected reason.


What Types of Medical Coverage Do AXA Travel Protection Plans Offer?

AXA covers three types of medical expenses: Emergency medical Emergency evacuation & repatriation Non-medical emergency evacuation & repatriation.


Emergency Medical: Can cover illnesses such as heart or breathing problems and injuries such as a broken arm or back pain.

Emergency Evacuation and Repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness. 

Non-Medical Emergency Evacuation and Repatriation: Can cover evacuation expenses if you need to leave the country at the last minute due to a non-medical event such as an earthquake, fire or flood.


Are There Any COVID-19 Restrictions for Travelers to China?

The People’s Republic of China requires travelers from the United States to present a negative COVID-19 test and they screen passengers for a fever via a scanner. Their entry and exit requirements and quarantine requirements are subject to change so check the U.S. Embassy & Consulates in China regularly prior to your trip.


Traveling with pre-existing Medical Conditions? 

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we are here to support you during your trip.
Our Gold and Platinum Plans offer coverage for pre-existing medical conditions.

The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,
What does this mean for you? If you have got a medical condition that has been hanging around, you can qualify for coverage under our Gold and Platinum plan with a preexising medical condition, so long as it is within 14 days of placing your initial trip deposit and in our 60-day look-back period. We are here to make sure you travel with ease, no matter your health situation.





1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to China?

It is advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in China?

No, travel insurance is not currently required to visit China, although you may find it valuable.

4.What is needed to visit China from the USA?

If you are visiting China from the USA, all you need is a passport that is valid for at least six months. Be sure to carry it with you at all times.

5.What happens if a tourist gets sick in China?

If you become sick in China, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.  


Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 

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