Travel Guardian|Travel Insurance | MedTour | Health
What will China travel insurance cover?
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Medical care – healthcare in China won’t come for free. Travel insurance can protect you against the high cost of medical bills if you’re sick or injured during your trip. The policy may also include repatriation back to the your country for treatment.
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Injuries or accidents caused by high-risk activities – Take a premium plan to cover sports like skiing, rock climbing or white-water rafting.
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Damage, loss or theft of your luggage – travel insurance can cover your belongings, including your phone, clothing and jewellery, if they’re stolen, lost or damaged.
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Holiday cancellation – this could protect you if you have to cancel or cut your trip short because of illness or bereavement. It’s important to get travel insurance as soon as you book your trip.
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Flight cancellations – check the policy to make sure cover for missed connections is also included.
Customers with pre-existing medical conditions
If you have a serious health condition, your travel insurance is likely to be more expensive. Whatever happens, tell us the truth. If you give false information or miss something out, your claim could be rejected.
What won’t China travel insurance cover?
Before buying holiday insurance for China, there’s a few exclusions to watch out for. Insurance providers typically won't cover:
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Pre-existing health conditions – you must declare these to your provider. If you don’t and try to claim for this type of illness, you risk invalidating your policy.
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Incidents related to alcohol or drug use – if you’re injured or lose something because you’re drunk or under the influence of drugs, your claim will likely be rejected.
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Travel to regions against government advice – this may be because of disease epidemics or terrorism threats.
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Terrorism, natural disasters and civil unrest – China is susceptible to earthquakes, flooding and typhoons. Some policies offer limited cover for natural disasters and terrorism-related incidents, but you’ll need to clarify this with us.
Any other tips for travel to China?
With so much to see and do in China, here’s a few more travel tips to help you get the most out of your visit:
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Vaccinations - visit your doctor four to eight weeks before your trip to find out if you need any vaccinations before you go.
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Climate - this varies a lot from region to region. In the north-east, which includes Beijing, it’s typically hot and dry between June and August, while the winters are freezing cold.
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Health - China has air pollution in its urban areas, which can aggravate conditions including asthma and bronchitis. Tap water is generally not safe to drink, so always buy bottled water.
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Time differences - China has one time zone and is eight hours ahead of Greenwich Mean Time (GMT).
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Tipping - in general, tipping isn’t expected. However you could express your appreciation for someone or a service by giving a digital envelope via alipay or wechat.