Travel insurance for China
Travel insurance for China
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Do I need travel insurance for China?
Which popular activities in China can travel insurance cover?
What does travel insurance for China typically cover?
How much does travel insurance for China typically cost?
Travel Tips for China
Frequently asked questions
Lock in travel insurance before hitting all of China’s biggest attractions
Long story short
Travel insurance costs don’t have to put you out of pocket
Basic travel insurance for China can start at around $44 for a weeklong trip, while comprehensive travel insurance can be around $94, leaving plenty of budget leftover.
China has its safety concerns
Petty theft in tourist hotspots is common across China, and local laws are also stricter than in Australia. Travel insurance could provide a financial safety net if things go wrong.
Medical cover isn’t free in China
China and Australia don’t have a healthcare agreement, so without travel insurance, you’ll be paying any medical bills out of your own pocket.
Do I need travel insurance for China?
While there’s no legal requirement to take out travel insurance for China, the Australian government strongly encourages it. And it’s a fair recommendation, especially since they advise travellers to exercise a ‘high degree of caution’ when visiting China (as of August 2025). This isn’t just because of the risk of arbitrary detention or the harsh enforcement of local laws. Petty crime and scams also occur in China, as well as occasional armed attacks in border regions and political protests.
Outside of those bigger risks, comprehensive travel insurance could be a smart move for other reasons. China doesn’t have a reciprocal healthcare agreement with Australia. This means if you do get sick or injured (and don’t have travel insurance to back you), you’ll be paying the bill solo. Throw in run-of-the-mill travel issues, like lost luggage, cancellations or delays, or an iffy choice to drink tap water in a rural town,and travel insurance can sound more like an essential than a nice-to-have for your China travels.
Which popular activities in China can travel insurance cover?
China has become an increasingly popular destination since economic reforms opened the country up to tourism in the late ‘70s. It now has 60 UNESCO World Heritage Sites, second only to Italy with 61. Here are just a few ideas to help plan your trip, along with some potential safety considerations to keep in mind.
Walk the Great Wall
At 20,000km long, the Great Wall of China is one of the most impressive structures built on the planet (and one of the seven wonders of the world). While you can’t walk its entire length (that would take you about 17 months!), there are sections open for tourists. Depending on the section you walk, it can be steep and uneven with the potential for slips and sprains. Especially if you consider the bad weather that can impact the region. So, make sure you’ve got travel insurance in case you do get injured.
See giant pandas
These black and white bears are endangered due to habitat destruction, so panda conservation centres in China play an important role in species preservation. Sichuan province in the southwest is one of the best places to see giant pandas, with 1,300 calling this region home. Conservation centres like Chengdu Research Base of Giant Panda Breeding are the go-to spots to catch a glimpse of these bamboo-snacking bears. They’re adorable but still wild animals, and accidents can happen, so make sure your policy will cover your panda-spotting adventures.
Dine along Shanghai’s Bund
Shanghai’s bustling Bund waterfront, which used to be the city’s own Wall Street, is now home to ultra-modern luxury dining. With a range of art deco and neoclassical buildings built in the early 20th century, this area is known to have the most exclusive boutiques and hotels. It also lights up spectacularly at night. But with any busy hub, pickpockets and other petty crimes can be a problem. Make sure your insurance could help out if your wallet, passport or phone goes missing.
Sit among the clouds in Zhangjiajie
Zhangjiajie National Park in central Hunan has some of the most dramatic scenery anywhere to be found. With its towering sandstone towers that reach into the clouds, its iconic scenery helped inspire the film Avatar (2009). You can take the world’s longest cable car to marvel at the peaks and valleys, climb the 999 steps to Heaven’s Gate or walk over a glass-bottom suspension bridge 300m above ground. Travel insurance may cover you in case you run into any unexpected injuries.
Explore the regional areas
Many travellers to China don’t get beyond the big cities, but there are lots of other places to explore once you step off the beaten track. Dali, with its ancient pagodas and the world heritage site of Lijiang, with its Qing dynasty architecture. There’s so much to see outside of the big tourist attractions. Travellers to rural southern China should be aware of mosquito-borne illnesses like malaria and Japanese Encephalitis from June to August. Preventive steps and your doctor can help, but travel insurance could add another layer of protection if illness strikes.

‘China’s internet has some pretty hefty restrictions, so apps like Google, Facebook, Twitter or Instagram won’t work without a VPN. This makes it seem like your device’s location is somewhere else, so you won’t have the same location restrictions as where you actually are.
Since China has gone mostly cashless, it could also be worth making an Ali Pay (think PayPal) or WeChat Pay (linked to WeChat) account. That way, you’re not left wandering the streets until you find a cash-friendly shop or the nearest atm.’
Adrian Bennett
General Manager, General Insurance
What does travel insurance for China typically cover?
How much does travel insurance for China typically cost?
Comparing policies from iSelect’s range as of August 2025, basic travel insurance for a week in China is around $45, with comprehensive cover at about $951Indicative pricing based on a 30-year-old solo traveller with no extra coverage needed. Comparison conducted via the iSelect website, August 2025. Just remember premiums can shift depending on your age, any pre-existing conditions or what you’ve got planned.
Extra cover could also bump up the price. Adding cruise cover for a journey out of Shanghai or snow cover for a trip to Yabuli Ski Resort could see your premium double or triple in size. So, it’s worth factoring in the cost now, so you don’t get a surprise later.
Travel Tips for China
Safety
Like anywhere in the world, petty crime is common across China. Pickpockets, bag snatchers, thefts, and scams that target tourists mostly occur in busy areas such as public transport, bars and shopping precincts. Demonstrations and protests are also tightly controlled by the government, so if you join a protest or even film it you could land yourself in trouble. There are also increased security measures in Xinjiang with security checks in major cities. You’ll also need permission from Chinese authorities before entering Tibet. If you want to visit, you can only apply and travel through specialised travel agents.
Health
Depending on where you visit, tap water could be unsafe to drink, so stick to bottled water. China is also prone to more diseases than in Australia, like Bird Flu, HIV/AIDS, and hand, foot and mouth disease. There are also common cases of animal and human rabies, so be careful around wild and domestic animals. Insect-borne diseases like Japanese encephalitis, dengue, and chikungunya are also common, especially during the wet season and in southern provinces. China also has high pollution levels, which can impact travellers with heart or lung conditions, and can delay flights. Authorities will flag red air quality alerts, but make sure to talk to your doctor if you’re worried.
Visa
Good news! China has included Australia in its visa waiver program until the end of 2025, which means Australian passport holders can visit China visa-free for up to 30 days. Your eligibility will be assessed when crossing the Chinese border. If you plan on staying longer, you’ll need to sort out your visa before travelling (three months before is best). Break the rules for your visa and you could be fined or detained for up to 30 days.
If you plan on visiting Hong Kong or Macau, there’ll be separate visa and entry rules from mainland China. If you’re visiting Hong Kong, you won’t need a visa if you’re visiting for under 90 days, for Macau, this is 30 days. But for both countries, you’ll need to confirm that your original Chinese visa will let you re-enter the mainland or that you’ll still be fine to enter visa-free.
Local laws
As a traveller, you’re subject to local laws and penalties, which could be harsher than back home. If you do get in trouble and end up arrested or jailed, the Australian Government will do what it can. But it won’t be able to get you out of jail or skip through the justice system. China also has strict drug laws with penalties including the death penalty in some circumstances. Police can conduct random drug tests, even if you returned a negative test, and you can still be fined or deported regardless of when or where you used drugs. China also doesn’t recognise dual nationality. So, if you’re a Chinese Australian dual national, you might be treated as a Chinese citizen and not be able to get consular help. If you have a dual citizen, make sure to travel on your Australian passport and get a visa.
Frequently asked questions
Which companies offer travel insurance for China?
Find a range of travel insurers for your trip to China. With as many insurers offering travel insurance as there are types of dim sum, you’ll have plenty of choice to compare from.
Some insurers that iSelect can help you compare include:
- Fast Cover
- Huddle Insurance
- Insure4less
- InsureandGo
- ReadySet Travel Insurance
- Southern Cross Travel Insurance
- Tick Travel Insurance
- Travel Insurance Saver
- Travel Insuranz
- Travel Protect
- WAS Insurance
- World2Cover
- Zoom Travel Insurance
Other travel insurers in the market include:
- 1Cover
- Allianz
- Blue Insurance
- Budget Direct
- Bupa Travel Insurance
- Cover-More
- Everyday Travel Insurance
- Medibank
- Nib
- RACV Travel Insurance
- Travel Insurance Direct
Note: iSelect does not compare all travel insurance providers in the market, or all products offered by our partners in your area.
What travel insurance do I need for China?
The type of travel insurance you need should match the type of trip you’re taking. If China is just a stopover on a bigger backpacking adventure, then a medical-only or basic policy might be a good fit (and less draining on your dwindling travel budget). But if you’ve got prepaid tours and train tickets booked in left, right and centre, it could be a wiser move to get a higher level of coverage. Comprehensive travel policies won’t be able to save you from everything, but they should be able to help with most. Especially prepaid costs that you otherwise wouldn’t be able to get back.
Will I be covered for COVID-19?
Most travel insurance policies cover expenses related to COVID-19. Depending on your insurer and specific policy, you’ll likely find different inclusions. One policy might include reimbursements for trip cancellation, medical treatment, and accommodation or quarantine expenses, while another won’t. The best way to avoid a mid-trip surprise? Read over all the information in your policy’s product disclosure statement (PDS).
Lock in travel insurance before hitting all of China’s biggest attractions
China is a destination that does it big – big cities, big history, big walls, big food, and potential big risks (if you travel without appropriate insurance). Whether you’re planning a stopover in Shanghai or an adventure into the country’s vast interior, with travel insurance at your back, you can explore with confidence. If you want to check out your travel insurance options before your trip, head to iSelect now to compare quotes from a range of policies and providers.
Easily compare Travel insurance quotes
Save time and effort by comparing a range of travel insurance policies with iSelect
iSelect does not compare all travel insurers or policies in the market. Travel insurance is only available through our website and not all policies are available at all times or in all areas. Not all policies available from our partners are compared by iSelect and due to commercial arrangements and customer circumstances not all policies compared by iSelect will be available to all customers. Click here to view iSelect’s range of providers.
iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold.