Do I need travel insurance for China?
Last updated:
Recommendation
Yes for any trip >$2,000 or with adventure activities; "no" only for short city trips where your credit card already covers you.
You're budgeting a trip and deciding whether to add a $50–$150 insurance policy.
The options
| Option | Best for | Tradeoff |
|---|---|---|
| Yes, buy it | Trips over $2,000, adventure activities (hiking, skiing), or any traveler over 60. | $50–$150; must declare pre-existing conditions. |
| Skip it | Short city-only trips with credit-card coverage already in place. | Medical evacuation alone can cost $50,000+; credit-card coverage has gaps. |
The verdict
Yes for any trip >$2,000 or with adventure activities; "no" only for short city trips where your credit card already covers you.