Do I need travel insurance for China specifically?
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Recommendation
Buy a policy for any trip >$2,000 or with adventure activities. Credit-card coverage is fine only for short city-only trips — read the exclusions.
You're deciding whether to buy a dedicated policy for a China trip.
The options
| Option | Best for | Tradeoff |
|---|---|---|
| Yes, buy a policy | Any trip >$2,000, trips with hiking/adventure, travelers over 60, or anyone without credit-card coverage. | $50–$150; must disclose pre-existing conditions. |
| Rely on existing coverage | Short city-only trips where your credit-card trip protection already applies. | Medical evacuation from rural China can cost $50,000+; card coverage has gaps. |
The verdict
Buy a policy for any trip >$2,000 or with adventure activities. Credit-card coverage is fine only for short city-only trips — read the exclusions.