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Compare travel insurance for China

Compare travel insurance for China

From Beijing’s Forbidden City to the Great Wall, and much more in between, China is a vast landscape full of stunning architecture and must-see attractions. So it’s no surprise that the country had 141 million visitors in 2018. Let’s take a look at how to find the right travel insurance ahead of your trip to China.

Patrick Ikhena
From the Travel team
minute read
posted 21 JANUARY 2020

Why do I need travel insurance for China?

It’s always important to have travel insurance, and it’s no different when you’re planning a trip to China. Included as standard with most travel insurance policies, cancellation cover could pay out if you cancel or cut short your trip because of illness or bereavement (or for another reason specified in your policy). So it’s important to get travel insurance when you book your trip.

If you need to take an emergency flight home, tell your insurance provider before you make any travel arrangements. They’ll need to know the reason why you’re cutting your holiday short before deciding whether to pay the costs.

Travel insurance could also cover your belongings – such as your phone or jewellery – so they can be replaced if they’re stolen, lost or damaged. Typically, policies offer cover from £1,500 up to £3,000 for your belongings, but each policy will set its own limits. Check your single item limit to see the maximum you’ll be able to claim back against any individual item. It’s also worth checking whether your belongings are covered by your home contents insurance. Look for personal possessions cover on your content insurance policy.

Healthcare is inconsistent across China, but one constant is that it won’t come for free. However, the right travel insurance can protect you against the high cost of medical bills if you’re sick or injured during your trip.


On 4 April 2020, the Foreign and Commonwealth Office advised against all non-essential travel overseas for an indefinite period. In this unprecedented time, we are temporarily not providing travel insurance comparisons for trips outside the UK, until we have complete confidence we can get you a policy to meet your needs.
As of 23rd March 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.

For more information please see our travel insurance and coronavirus pages.

How much is travel insurance for China?

If you’re travelling to China, worldwide travel insurance could cost just £38** for a week or £63*** for annual travel, based on Compare the Market data in February 2020.

**50% of people could achieve a quote of £37.68 for worldwide travel insurance for 1 week based on Compare the Market data in February 2020
***50% of people could achieve a quote of £62.28 for for Worldwide multi travel insurance based on Compare the Market data in February 2020.

What kind of travel insurance might I need for China?

That depends on what you’ll be doing in China. Low-risk sports are typically covered by regular travel insurance. If you’re planning anything more adventurous, you might need:

  • extreme sports cover for activities such as hiking, zip lining or white water rafting
  • water sports insurance can offer cover in case you get injured or your valuable sports equipment gets damaged. Make sure you check your policy for details of exactly what’s covered.

Once you’ve got a policy, keep your insurance provider’s details with you in case you need to contact them while you’re away. If your plans change during your trip, you should speak with your provider to see if you can amend your cover level.

Do I need a visa to travel to China?

Brits will need to get a visa to enter mainland China – including Hainan Island – but not Hong Kong or Macao. If you’re aged between 14 and 70 (inclusive), you’ll need to apply for a visa in person at a Visa Application Centre. Your passport needs to have at least six months’ validity when you enter China.

Any other travel tips for China?

Vaccinations: Visit your doctor four to eight weeks before your trip. You might be advised to have vaccines such as hepatitis A, tetanus and typhoid (these are usually free on the NHS).

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.

Time differences: China has only one time zone and is eight hours ahead of Greenwich Mean Time (GMT).

Tipping In general: Tipping isn’t expected. It’s more customary in Hong Kong, and leaving a tip at the end of a tour is acceptable.

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