Which travel insurance to choose for a stay in China? (November 2021)

Well, you are right to find out, because the price of travel insurance for China can easily vary from one to three! And this for very similar services. Hence the importance of comparing offers.

In order to help you make the best choice , I have prepared a comparison of travel insurance for China. Whether you are looking for inexpensive travel insurance or high-end travel insurance, you will find what you are looking for at the best price.

So, which travel insurance to choose for your trip to China ?

Comparator of travel insurance for China: conclusion
China travel insurance: the comparison
For this comparison, I decided to compare the 4 best travel insurance for China . For each of them, I will tell you about their strengths and weaknesses as well as the rates for a stay lasting from 1 week to 3 months.

The 4 insurances of this comparison are:

Assur Travel (summit package) , top-of-the-range insurance.r
Chapka CAP Assistance , insurance for trips of less than 90 days from Chapka Assurance.
I’ll start by telling you about special covers. Some travel insurance for China offer “bonus” coverage, offered to their policyholders when they take out a contract.

The coverage of your luggage against theft: This is a guarantee that is offered by the 4 insurances of this comparator, but as you will see, the conditions are very different!

Here are the reimbursement amounts offered by each insurer:

Chapka Insurance : 3000 euros. Does not cover drones, sporting goods and purchases made during the trip.
Assur Travel (top package) : 1000 euros. Covers drones, sports equipment and purchases made during the trip.
AVI international : 300 euros maximum per object.
ACS-AMI globe partner insures luggage only during the trip to China (thus loss of luggage by the airline), which earns it last place. It should be noted, however, that the compensation offered by the insurance in the event of a problem is cumulative with the compensation from the airlines, which is capped.

In addition to this guarantee, some services are offered only by the top-of-the-range insurance Assur Travel (summit package) :

Cancellation insurance: You will be compensated if your trip to China is canceled for a reasonable reason (illness, death of a loved one, etc.). The reimbursement amount is up to 4000 euros per person . It is rather good to take, an unforeseen being quickly arrived! Also note that this cancellation insurance also exists with other insurers, but they are payable in addition and therefore (a lot) increase the bill.

Delay, cancellation or denied boarding insurance on one of your flights: This insurance is exclusive to Assur Travel. Thanks to a partnership with Air Refund, a specialist in reimbursement in the event of a dispute with the airlines, Assur Travel (forfait summum) takes care of the steps to get you reimbursed in the following cases:.
I don’t know about you, but it often happens to me that the plane I take is late (to the point of having missed my connection more than once!), so this is an extremely welcome guarantee.

Especially since the compensation ranges from 250 to 600 euros for a delay , which is not negligible! It ‘s free and included in your travel insurance policy for China . No other insurance offers such coverage.

With a good guarantee against theft of luggage and very interesting bonus benefits , it is therefore Assur Travel (top package) that wins this round!