China Travel Insurance

The 1 Thing You Need, When 1 Thing Goes Wrong In China.


Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

Why Do I Need Travel Insurance In China?


Cost of an air ambulance from China back to New Zealand.


The average cost of a weekly hospital stay in China in ICU.


Cost of repatriation on a plane from China to New Zealand.

And Did you know...?

  1. 1. Many people think the government would cover their medical bills overseas. But if you have a medical emergency in China, you're the one that needs to pay.
  2. 2. China’s airports are number one in the world for flight delays, resulting in travellers missing connections or dealing with cancelled flights.
  3. 3. In 2015 there were 23.1 million mishandled bags around the world. Luggage is the second most common claim made by 1Cover China policyholders. 
  4. 4. Due to the large crowds in the streets, pickpocketing is still a problem in China, particularly at busy tourist attractions.



Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for China.

What Are My Travel Insurance Options For China?


Option 1


This is our highest level of cover.


Option 2

Medical Only

For medical expense coverage only.


Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the Policy Wording, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.

China Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Accidental Death*


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 


Protect yourself while cruising in
China with our
Cruise Pack add-on.

Winter Sports

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.

Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to China, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to China? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.


China Travel Insurance FAQs

  • What Happens If I Get Sick Or Injured Overseas?
  • 1Cover offer emergency medical assistance anywhere in the world, 24 hours a day, 365 days per year.

    In an emergency situation, you can call our medical assistance team who will help with any medical problems which may arise.

    If you are injured or become unwell overseas, you must notify 1Cover as soon as possible.

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in China,  the easiest way to do this is via the Policy Manager.

    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires.

    If you have trouble, you can email us at [email protected]Please note there may be instances where a policy extension is not available. 

  • Will You Pay My Hospital Bills If I get sick or injured in China?
  • Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in China.

  • What Do I Do If I get robbed in China?
  • If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim

  • I’ve reached China and the airline Has Lost My Luggage. Will 1Cover Replace The Items?
  • If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.

    However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

  • Am I Covered For Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. If you do get caught up in an unforeseen event while you are in China and you are injured or your trip is interrupted, 1Cover can assist.

    Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind.

    1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to China a few times a year. What’s the best policy for me?
  • We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to China?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

  • Am I Covered If I'm Pregnant When I'm Travelling To China?
  • If you're travelling to China while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.

    We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

    Please note: we will not pay any medical expenses for:
    a) Regular antenatal care;
    b) Childbirth at any gestation; or
    c) Care of the newborn child. 

    Find more here. 

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).




The One thing They Needed in China


Alok's Painful Fall

In the lead up to his ten-day China adventure, Alok slipped on some stairs and badly injured his back and knee. He was unable to move without pain, and the doctor advised him not to travel due to the amount of walking required on his pre-booked tour in China.

Alok was refunded the full tour amount of his pre-paid China tour package.

Professional, helpful, fair ... you don't have to wait months.

Sasha's Stolen Phone 

While travelling on a crowded metro train in Shanghai Downtown, Sasha's iPhone and credit card was stolen straight out of his pocket. He immediately filed a police report, cancelled his card, and contacted 1Cover.

1Cover covered the cost of Sasha's stolen phone and case (minus depreciation).

never Been pickpocketed in my life, but at least i got something back. 

Yanis' lost Laptop & GoPro

Yanis was at a public hot spring in China, and hired a secure locker to keep his belongings safe while he enjoyed the springs. When he returned, the locker had been broken into and his backpack and the gear inside it had been stolen.

Yanis got back the cost of his GoPro, Microsoft Surface, and his backpack.

no hassle ... it was all pretty easy.

Travel Insurance Statistics

...they're interesting, really!

 Over 90% of travellers were covered by travel insurance the last time they went overseas.**

Expensive Medical Bill

The most common non-medical claim for 1 Cover claimants in China is for lost or damaged luggage and personal belongings.*

1Cover paid a claim for $100,000 to a traveller who ended up in hospital in China.

*in 2017/2018
**research conducted in 2016

How Will Travel Insurance Help Me In China?

24/7 Medical Assistance

Being sick or injured in China can be overwhelming. But if you need medical assistance while you’re over there, we’ll look after things like hospital stays and emergency surgery.

your trip

Sometimes things just don’t go to plan. If you have to unexpectedly postpone or cancel any part of your trip to China, we’ll cover any cancellation fees and lost deposits.

money back for lost luggage

Don’t let a lost phone or lost luggage ruin your trip to China. We cover up to $15K for lost or damaged bags and belongings (including cameras, glasses and laptops).

Stress-free snow sports

China has more than 700 ski resorts, including popular Sun Mountain. So, if you plan on exploring China’s growing ski culture, you’ll want to make sure you’ve got our Winter Sports Pack add-on.

Disaster Relief

Typhoons, earthquakes, and flooding have all had an impact on China in recent years. If a natural disaster effects your holiday, we can cover you – but make sure you check the news and our travel alerts before booking your trip.

Language Barriers

While many Chinese doctors will speak basic English, only some will speak it fluently. Our assistance team can provide translators in an emergency so you get the best possible care.

Biking Protection

Whether it’s to explore Shanghai streets or ride up and down country mountains, a rental bike is a great way to see China. Wear your helmet and follow the rules and you’ll generally be covered.

Car Hire

If you’ve got a Chinese permit and intend on hiring a car while in China, you’ll need 1Cover. If you’re involved in an accident or something goes wrong, we’ll look after rental vehicle excess up to $5K.


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We've Already Helped 1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

If You Only Do One Thing...

The One Thing To Do And Not Do In China
The One Way To Save Money In China

Travelling on a budget and wanting your dollars to last the distance? Here’s how to get the most value while you’re in China.

China Tourist Attraction
The One Tourist Spot You Might Want To Skip In China

Despite being one of the most popular attractions in China, this Chinese tourist attraction was deemed not that interesting.

The One Thing To Know Before Eating In China

Chinese cuisine is delicious but one must be mindful about where you dine. Here’s why.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to China. But if it does, the resources in this section can help you.

New Zealand has multiple embassies throughout China, including Beijing, Shanghai, Guangzhou and Chengdu. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.

Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to China. SafeTravel is a trusted resource for New Zealander travellers and is updated regularly, so make sure you bookmark this handy resource.






If you need emergency assistance in China, please call our 24/7 emergency medical assistance line on (+) 64 9884 0229 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week.

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In China?

Hiking In China
Explore China
Like A Local

No one knows a country better than a local and you can have one on your very own private guided tour. Tours By Locals will connect you with an expert local guide for a truly authentic China experience.

China Mountain
Show No Fear 4,700 Feet Off The Ground

Tianmen Mountain is not one for the faint hearted. Whether your teetering along the Walk of Faith glass walkway, set 4,700 feet above the ground, or riding the world’s longest cable car up the mountain, the scenery is breathtaking.

Pandas In China
See Pandas
In China

Chengdu is the home of the giant panda, and there are four panda reserves you can visit. Three of the reserves offer the opportunity to hold a panda or volunteer to work with them. Find out more abouve Chengdu panda reserves.

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page