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Best travel insurance for China⭐Comparison + Discounts
China is an incredibly diverse and vast country where you can find practically everything. You can enjoy popular and delicious cuisine, documentary-worthy natural settings, and a rich, ancient historical legacy that remains even in modern cities like Shanghai. To help you discover the country more peacefully, we'll help you choose the best travel insurance for China and save you from having to read all the fine print.
Although Health issues are the main reason for taking out insurance traveling to China, your policy will also cover you other problems that may arise during a trip. The most common are missed flight connections, theft or damage to your luggage, or having to return home early due to force majeure. Whatever insurance you purchase, you should always carefully read all its coverage to make the most of it if anything happens.
Below we will compare the best options on the market, but if you are looking for a quick answer, we I advance a summary of the comparison (I.e.
If you want a very high medical coverage and also many extras to cover almost any possible problem the best travel insurance for China is Heymondo, which has a great quality-price ratio. Do you want the most economical option? Then choose Chapka, which also has very adequate coverage.
Quick comparison best travel insurance for China
Later, we'll go into more detail about the prices and coverage offered by the insurers we trust most. But first, we want to share a brief, visual summary so you can get an idea of the prices and coverage of this much-needed travel insurance for China.
| ⭐Travel peace of mind Heymondo | ⭐CAP Trip Basic Chapka | Total Travel Mini Interworld | IATI Standard | |
|---|---|---|---|---|
| Medical coverage | €1.000.000 | €250.000 | €300.000 | €500.000 |
| Theft or loss of luggage | €2.000 | €800 | €1.500 | €1.000 |
| Age limit | 74 years in the Making | Unlimited | >69 years old price increases | Unlimited |
| Repatriation / early return | ✅ | ✅ | ✅ | ✅ |
| Dental expenses | €150 | Included in the Plus policy | €120 | €350 |
| Pre-existing illness | Urgent care first 24 hours | €10.000 in the Plus policy | Urgent care first 24 hours | Urgent care first 24 hours |
| Price 7 days | €31,37 | €33,10 | €26,51 | €33,28 |
| Price 14 days | €52,89 | €41,14 | €44,24 | €56,82 |
| Discounts | See discounted price | See discounted price | See discounted price | See discounted price |
Is it mandatory to have insurance?
Have travel insurance for China It is not mandatory but it is highly recommendedIn China there are public medical centers but as a tourist you are not covered by the country's health care so you should pay for any medical care receivedFurthermore, in China most people don't speak English, so receiving quality medical care is quite complicated. With health insurance, you could visit an international hospital with English-speaking staff or hire an interpreter to help you communicate.carI'll talk to the doctors.
Even if you are in excellent health, there are always risks that cannot be avoided, such as a minor accident, an unexpected toothache, or a severe gastroenteritis that does not improve in several days.
What is healthcare like? in China?
China's healthcare system has improved in line with the development of the country's economy. The network of public hospitals is extensive, and there are also a large number of private hospitals, especially in large cities. Private healthcare It's not cheap at all but they have very professional staff and in many cases they also speak English.
In the event of having a medical emergency and having travel insurance is incarThey would manage and cover the costs of the entire process. Normally you will be sent to a nearby private hospital where they will be waiting for you.
What coverage should you have? The best travel insurance for China?
The most important coverages that the best travel insurance for China should cover are:
- Medical assistance: High coverage, at least €200.000, which includes repatriation in serious cases. This guarantees almost 100% that you will not have to pay anything.
- Connection losses: In case you miss your flight connection or have to return home earlier than planned.
- Luggage coverage: Loss of luggage, damage or theft.
- Trip cancellation: If for some reason you have to cancel your trip completely, this is a coverage that has an extra cost.
- Third-party insurance: Physical or material damage that you may cause to third parties involuntarily.
Best travel insurance for China
To choose the best travel insurance for China, we focus on the two aspects that are most important to most travelers. The first of all is the priceEveryone wants to pay a fair price, especially for travel insurance that, if all goes well, you probably won't need. I'll soon show you that travel insurance for China isn't too expensive. caro.
The second determining factor is medical coverageThe higher the better, but you don't need to go overboard. Having several million euros of coverage in China is excessive. On the other hand, low amounts like 50 thousand euros are also not recommended because if you were to have an accident that required surgery and hospitalization, it might not be enough.
Additional coverage of Trip cancellation is not included in no insurance company but can be added that coverage by paying extra in any company. If you are very interested in adding this coverage I recommend the Chapka Insurance Company since it is the one that increases its price the least by including that extra.
Heymondo Insurance – The best travel insurance for China with high coverage
Heymondo is a well-known Spanish travel insurance company with all types of policies so you can always find the right one for your trip. It stands out for its good, agile and efficient emergency service. thanks to the free telephone line available 24 hours a day and the medical chat on the app where you can ask for medical advice for any problem. With Heymondo You will not have to advance money if you have any incident, they incarThey will guarantee everything once you tell them the problem.
Their cheapest policy is called Essential Travel, but their medical coverage of up to €100.000 might be a bit tight. For me, this is Heymondo's best policy. It's a Tranquility Trip With €1.000.000 in medical assistance and up to €2.000 for lost or stolen luggage, sufficient coverage for a trip of this type.
EThe cost of Heymondo Travel Peace of Mind insurance With the exclusive discount you get for reading us, it is €31,37 for 7-day or XNUMX-day trips. €52,89 if you book it for 14 daysIf you are interested, you could read our Personal opinion on Heymondo insurance.
Chapka Insurance – The best travel insurance for China by price
The Chapka insurance company is of French origin and currently has The best market prices. Personally, we have been using it for almost 3 years on our trip around the world with very good results. On a holiday to China you can choose between two policies, Cap Trip Basic and Cap Trip Plus.
The difference between the two is the amount of coverage. In the case of Basic covers up to 250 thousand euros and Plus up to 1 million euros, and note that it is one of the few that also covers pre-existing illnesses. In addition, Chapka is the insurer that increases its price the least if you want to include coverage for cancellation costs.
EThe price of Chapka Cap Trip Basic insurance with our reader discount is from 33,10 € per person for a 7-day trip and €41,14 for a 14-day trip. Again, the daily price is reduced as the duration of the trip increases.
If you want to know more details about their policies and compare them with the direct competition, we recommend reading our comparison Heymondo vs Chapka.
Intermundial travel insurance
A Spanish insurance company with a long history in sports and the world of travel. Intermundial offers three different policies, Total Travel Mini, Total Travel and Total Travel Premium. As you can imagine The Mini is the most economical But it still has incredible coverage. It covers up to 300 thousand euros in medical expenses and 1500 euros in luggage, amounts sufficient for most cases.
Also Intermundial offers quite competitive prices. One of the reasons for getting such a good price is that as our reader you have an exclusive minimum discount of 10% thanks to the discount code LOWCOSTEROS, a bigger discount than you can get from other insurance companies. Without a doubt, a very interesting offer that places it among the best travel insurance for China for a very good price.
You can secure your 7-day trip to China for only 26,51 € and for a 14-day holiday it would cost €44,24.
Iati travel insurance
Iati is one of the leading Spanish insurance companies which has been offering travel insurance for many years. You probably know it because it is one of the most recommended insurance companies on social networks and travel blogs.
Among the travel insurance for China offered somecarI would have the Iati Basic policyI think their coverage is too low. If you don't want to spend a lot and you're considering Iati Basic because of its price, I recommend Chapka or Intermundial, which offer better coverage for less.
For us The best Iati policy for a trip to China es IATI Standard, with medical coverage of up to 500 thousand euros, enough for any health problem you may have, and up to 1000€ for theft or loss of luggage.
The price of Iati Standard for 7 days in China is €33,28, and if you purchase travel insurance for 14 days, it would cost €56,82. If you'd like to see the details of this insurer, we have an article where We compare Iati vs Heymondo.
Best travel insurance for China quality-price
We can confirm that if your priority is that the price is as low as possible the best option is undoubtedly Chapka. However, for those looking for very comprehensive coverage, the best travel insurance for China is the policy Tranquility Trip by Heymondo.
We hope that this article on the best travel insurance for China has been useful to you. To continue organizing your trip to the Asian Giant you can read our travel guides. travel to China on your ownas the Clothing for traveling to China or take a look at how our journey went by viewing the featured stories in Instagram.
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