Even though it’s one of the most populated countries in the world, China has so much to offer in the way of culture, art, history, unique cuisine, and of course the legendary Great Wall of China, which happens to be one of the seven wonders of the world. These and many other exciting sights are what attract Australians to this unique and vibrant travel destination.

Now, one of the most exhilarating aspects of travel is that you get to live more spontaneously than you normally do in your everyday life, and you approach life like an adventure with serendipitous experiences. However, the same unpredictability and mystery of travel can easily turn sour when faced with an unexpected turn of events, and being without your support group of loved ones can exacerbate the situation. That’s why it’s so important to take out travel insurance so that you’re not alone when problems strike and you’re far away from home.
Most policies cover unforeseen events and circumstances like lost or stolen luggage, injuries, overseas medical expenses, 24/7 international emergency assistance, delayed flights and so much more. Taking out travel insurance for China will allow you to get back to your vacation or arrange a smooth trip home if necessary, without worrying about any of the expenses.

Quick Guide


Australian visitors are not allowed to enter China without a visa.

When to go

According to the locals, the best time to visit China is between April and May, and again between the months of September and October. Both time periods offer pleasant weather that’s neither too hot nor too cold, and this goes for all the major tourist cities like Beijing, Xinjiang, Hong Kong and Shanghai.


Mandatory vaccinations to get before you travel to China include immunization again Hepatitis A and B, Polio and Typhoid fever. You should also consider getting routine vaccines so that your health is protected for the duration of the trip.

Packing List

When travelling to China, make sure to pack light and only include quality clothes and comfortable shoes.

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Travel Insurance for China

Regardless of where you travel to in the world, taking out travel insurance is a must no matter how familiar you are with the destination. Granted, China is a mesmerizing destination, but it is also one of the most populous countries in the world, boasting over a billion inhabitants, and the disparities between those living in inland villages and major cities is becoming more evident as the supply falls short of the massive demand.

Thanks to the high level of road traffic, car accidents are not uncommon in China, and they often result in injuries and unexpected personal liability expenses that you obviously haven’t budgeted for. You could also lose your luggage or damage your valuables, not to mention delayed flights and layovers which can put a serious dent in your pocket.

Purchasing comprehensive travel insurance for China will prepare you for any and every situation that comes along.

How Much is Travel Insurance to China?

You’ll find that travel insurance comes in different levels and prices, which are determined by a variety of factors, such as your reasons for travelling, the duration of your trip and your age. Travel insurance cover to China can cost anything from $22 to $290, and depends upon your needs and preferences.

Here are a few examples of how much travel insurance packages cost:

  • Basic Policies ($20 to $50): Travel insurance to China is widely available and accessible at affordable covers, like Fast Cover’s $22 Basic Cover, which includes cover for unlimited medical expenses.
  • Standard Policies ($30 to $50): You can purchase a standard policy from Tick for only $39. 52, and get features like $5,000 towards unexpected trip cancellations, $4,000 to cover lost or stolen luggage and unlimited medical cover.
  • Premium Policies ($50 to $290): For only $60.85, 1Cover’s All-Inclusive policy provides you with $15,000 for lost or stolen luggage and unlimited cover for medical expenses and trip cancellations, all for a low excess of $100.

What’s Included?

Different travel insurance providers offer unique types packages to suit the needs and preferences of their varied clients.

However, there are certain features that all these companies have in common, such as:

  • Cancellation Fees and Lost Deposits – Should you have to cancel your trip due to unforeseen circumstances like an accident or an injury, your insurance will cover you for the flight and accommodation costs.
  • Overseas Medical Expenses – This particular feature will cover you for hospitalization costs, emergency dental treatment, nursing and surgical treatments.
  • Luggage and Personal Effects – In the unfortunate event of losing your luggage or personal effects due to theft or damage, your policy will reimburse you for the items you’ve lost according to the policy limit you’ve set.
  • Personal Liability – If you happen to incur legal or personal liability costs due to accidentally damaging someone else’s property while overseas, your policy will cover you for the legal expenses of the ensuing litigation, if any.
  • Accidental Death – Your insurance policy will also cover you if you happen to suffer a fatal injury while overseas.
  • 24/7 Worldwide Assistance – You’ll get 24/7 access to international emergency assistance, which will be made available to you no matter where you are in the world.
  • Delayed Luggage – If your luggage gets delayed, your policy will make funds available for you to purchase the essentials needed to freshen up while you wait for your luggage to arrive.
  • Additional Expenses – This particular feature will cover you when you need to extend your trip by a day or so, so that you won’t have to pay out-of-pocket for a slight extension to your trip.

What’s Not Included?

It’s important to keep in mind that there are certain behaviors that may cause you to forfeit your cover as well as your ability to make a claim. Therefore, it’s a good idea to avoid the following and look into your travel insurance provider’s Product Disclosure Statement (PDS) for more information:

  • Leaving your luggage and personal effects unattended and at risk of getting stolen.
  • Travelling despite travel warnings that advise otherwise
  • Illness or injury due to the consumption of mind-altering substances such as alcohol or drugs
  • Failure to disclose pre-existing health conditions to your provider
  • Participating in high-risk activities and sports like scuba diving, rock climbing etc.
  • Failure to report lost or stolen property within the first 24 hours

What if I get injured?

Different Insurance companies cover different things, find out which companies cover what.

What if I lose my stuff?

Unfortunately in some countries your belongings can go missing, read about each companies claim process.

What if my flight is cancelled?

See what other Australian's have to say about each Insurance Companies claim process

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