Buy LUMA travel insurance for China online and enjoy peace of mind during your trip.
Trusted by 100,000+ Travelers
China is a safe country for travelers. However, accidents and sickness happen, and medical treatment can be expensive.
We recommend everyone buys travel insurance before traveling to China—whether you’re planning an adventure into Wulong Karst National Geology Park, or sampling the cuisine in Xiamen.
LUMA insures a range of medical and travel expenses, allowing you to enjoy China worry-free.
⚠️ You must purchase travel insurance before your trip—you cannot buy it once you have arrived.
Your health insurance policy might not cover your trip to China. If you fall ill or get injured while there, you could be left with a bill for:
$4,854.22: The average value claimed for trip cancellation in the U.S. during 2023.
18% of travel insurance customers claim their policy.
24% of all U.S. travel insurance holders made a claim due to travel delays in 2022.
💡 Each year, up to 60 million people visit China.
💡 Before the pandemic, China was Asia’s number one tourist destination and number four globally.
💡 More than 10 million people visit the Great Wall of China annually, making it one of the world’s most popular tourist spots.
💡 Other popular tourist spots include the Forbidden City, the Summer Palace, the Leshan Giant Buddha and the Zhangjiajie Forest.
💡 Over 60,000 people died in road traffic accidents in China in 2023.
💡 China is ranked the 19th safest country in the world by Numbeo and 21st safest by Berkshire Hathaway.
Ultimate Worry-Free
Travel Insurance for China
High-value coverage for medical and travel expenses.
English-speakingmedical team
Our Asia-based medical and travel experts are available 24 hours a day to provide emergency support.
Tailored to match your travel requirements
Our policies have been specially designed to protect you in China.
It can be frightening if something goes wrong while traveling in China.
LUMA is a travel insurance company with a medical network across Asia and the world.
We provide advice and guidance should you require medical assistance or suffer loss or disruption to your travel plans—giving you complete peace of mind.
Medical Expenses
Comprehensive coverage for unexpected medical expenses
Our team is available 24/7 via an emergency hotline
Medical evacuation and repatriation
Unlimited cover for emergency medical evacuation and repatriation
Trip cancellation and interruption
Covers up to 5,000 USD for non-refundable prepaid travel costs
Lost Baggage
Covers up to 1,500 USD for lost baggage or personal belongings
⚕️ Pre-existing conditions
Any medical conditions or symptoms known or arising before purchasing the policy are not covered.
🔮 Events anticipated when buying the policy
The policy must be bought before your trip starts. Events that were anticipated at the point of purchase are not covered.
🍾 Alcohol or drug-related incidents
Injuries or illnesses caused by alcohol or drug use are not covered.
🤰 Pregnancy
Any expenses arising from illness or injury related to pregnancy are not covered.
LUMA travel insurance has been trusted by over 100,000 travelers worldwide. Here’s why:
In case of emergencies, help from our expert medical team is available 24 hours per day via our multilingual hotline.
Dr. Gerard
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
Dr. Thet
Internal Medicine & Rehabilitation Medicine
9 Years of Medical Experience
Dr. Kao
Health Care Management
General Practitioner
Dr. Patrick
Health Care Management
General Practitioner
Our global partners help us provide insurance and services to destinations around the world.
Insured by Baolong
With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.
Assistance by Europ Assistance
LUMA’s headquarters is in Bangkok, Thailand. We also have offices worldwide, including in:
This means we can support you with medical advice and travel support no matter where you are.
While travel insurance is not legally required for entry into China, it is highly recommended. This is because the country has costly healthcare services for foreigners, and travel insurance provides financial protection in case of medical emergencies, trip cancellations, or other unforeseen issues
Travel insurance for China generally includes:
The cost of travel insurance to China varies based on factors such as the duration of the trip, the coverage level you choose, and the country you travel from.
A basic policy can cost around $50–$100 for a one-week trip, while comprehensive plans with higher limits might cost more.
For example, a 14-day trip to China from the USA for two on LUMA’s Essential plan costs about 4.42 USD per person, per day. The same trip on our comprehensive Pioneer plan costs 20.50 USD per day.
No, LUMA does not cover pre-existing medical conditions. Most travel insurance policies exclude pre-existing conditions unless you purchase a waiver or a specialized plan.
Consider the following:
Yes, LUMA travel insurance covers expenses for sudden and unforeseeable illnesses and injuries. This includes costs relating to COVID-19 experienced while traveling in China.
Whether you need a visa to travel to China depends on your nationality and how long you intend to stay.
Citizens of 38 nations can travel to China for up to 30 days visa-free. This list includes countries like:
There are no restrictions on the number of times qualifying visa-free travelers can enter China.
The United States and the United Kingdom are not on this list. Citizens of these countries and anyone wishing to visit China for more than 30 days must apply for a visa.
Some nations may also need a visa to transit through China. Citizens from 54 countries, including the United Kingdom and the United States, qualify to transit through China visa-free.
To apply for a visa, visit the website of your country’s Chinese embassy or consulate. You must provide documents like a valid passport, itinerary, and invitation letters.
When traveling, you should also bring supporting documents like invitation letters, flight tickets, and hotel reservations to prove the purpose of your visit to Chinese authorities.
China’s visa policies can change. Before planning your trip, we recommend you check with the Chinese embassy or consulate in your country for the most up-to-date information.
Visit our page on Chinese tourist visas for more information, including which nations’ citizens don’t need one.
You should ensure that your routine vaccinations, like measles-mumps-rubella (MMR) and diphtheria, tetanus, and polio are up to date.
You should also consider additional vaccinations like hepatitis A and B, typhoid, and rabies.
If you are traveling from a country where yellow fever is present, you will need to show a vaccination certificate upon entering China.
Consult a healthcare professional for specific recommendations.
China is generally a safe country for tourists to visit. Here are some things to be aware of:
Crime
It is unusual for tourists to be targeted by criminals in China. The most common issues experienced by tourists are:
Adverse weather and natural disasters
China experiences earthquakes, typhoons and flooding. Check local weather reports before traveling. Remember, your travel insurance won’t cover you for expenses caused by weather or a natural disaster that was forecast when you purchased the policy.
Road safety
China often has poorer quality roads and lower driving standards than countries such as the USA. In 2022 and 2023 around 60,000 people died in Chinese road accidents.
We recommend you avoid driving while there and instead use public transport or hire a private driver.
State laws
China is a one-party system with a low tolerance for breaking the law and political dissent. Breaking drug laws can lead to imprisonment or the death penalty, while speaking out against the government or traveling to politically sensitive areas puts you at risk of arrest.
General tips for staying safe in China include:
No, tap water in China is unsafe to drink without boiling or filtering. Stick to bottled water, which is widely available.
China has a comprehensive transportation network, including:
While cash is still accepted, mobile payments using apps like WeChat Pay and Alipay are widely used. Foreign credit cards are not universally accepted, so carrying some cash in Chinese Yuan is essential.
Spring (April–May) and autumn (September–October) are considered the best times due to mild weather. Summer can be hot and humid, while winters are cold, especially in northern regions.
Popular destinations include:
“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
Copyright © 2025 lumahealth.com. All Rights Reserved. Privacy Policy & Terms of Conditions