Travel & Emergency Evacuation Insurance for Expats in China
Living in China as an expat offers exciting opportunities—from exploring ancient culture and modern cities to traveling across Asia. But while adventure is part of the lifestyle, so is being prepared. That’s where travel and emergency evacuation insurance come in.
Whether it’s weekend getaways or unexpected emergencies in remote parts of China, the right coverage can make all the difference. In this article, we’ll explain what travel and emergency evacuation insurance is, why it matters for expats in China, and how we can help you find the right plan.
What is Travel & Emergency Evacuation Insurance?
Travel insurance is designed to protect you when you’re away from your usual place of residence—whether you’re traveling for leisure, business, or returning home. It often includes coverage for:
Trip cancellation or delays
- Lost or stolen luggage
- Medical emergencies abroad
- Medical evacuation to another city or country
Personal liability
These services can be life-saving, but without insurance, they can also be incredibly expensive.
Key reasons to consider this coverage include:
Remote travel: Access to safe and fast medical transport
- International trips: Protection while outside China
- Peace of mind: Knowing you can afford care, no matter where you are
Comprehensive safety: Evacuation in case of disasters or civil unrest
What Does It Cover?
Coverage varies depending on the plan, but most travel and emergency evacuation insurance includes:
Emergency Medical Expenses
Covers treatment for unexpected illness or injury while traveling.
Medical Evacuation
Pays for transport to the nearest appropriate medical facility—within China or abroad.
Repatriation
If needed, it covers the cost of returning you to your home country for further treatment or in case of death.
Trip Protection
Covers trip cancellations, interruptions, or delays due to medical emergencies, family emergencies, or extreme weather.
Personal Liability
Helps if you’re legally responsible for injury or damage to others while abroad.
What’s Not Covered?
It's important to read the policy wording, but here are some common exclusions:
Pre-existing medical conditions (unless disclosed and approved)
- High-risk sports or activities without added coverage
- Traveling against medical advice
Incidents while under the influence of drugs or alcohol
How to Choose the Right Plan
Choosing the right travel and evacuation insurance depends on your needs. Consider:
How often do you travel: One trip or multiple per year?
- Where you’re going: Will you travel in remote areas?
- Your health: Do you need coverage for existing conditions?
Your current insurance: Does your international health plan already include evacuation?
Working with a trusted insurance advisor can help ensure you don’t miss key details—and that you’re not paying for coverage you don’t need.
How We Can Help
Traveling as an expat in China comes with incredible opportunities—but also the risk of unexpected medical situations. With the right travel and emergency evacuation insurance, you can explore with confidence, knowing you're covered wherever you go.
With over 25 years of expertise as an insurance intermediary, Pacific Prime is the trusted partner for expats in China seeking reliable travel and emergency evacuation coverage. Whether you're planning your next trip or preparing for the unexpected, our expert team will match you with a plan that gives you confidence, anywhere in the world.
Contact Alex Ip (WeChat & Phone number - 13262706650) today and travel with peace of mind, or start by getting a free quote today!
Disclaimer: Pacific Prime solely represents, operates, and manages locally regulated insurance products and services in the territory of PR China. Any references to Pacific Prime Global Company or Group, the international services, insurance products, or otherwise stated, written or verbally, are for introduction purposes about our overseas network only as each entity is fully independent.