insurance

Two years ago a client slipped on a wet marble floor at his Beijing hotel. Just a sprained wrist — but his travel insurance didn't cover China. He ended up paying ¥800 at a walk-in clinic and spent the rest of his trip anxious about what would happen if something serious happened. Don't be that guy. I tell every client: check your travel insurance covers China BEFORE you leave. Not all policies do. Here's what to look for: — Medical coverage in China (some policies exclude it) — Minimum $100,000 coverage — Coverage for TCM treatment (acupuncture, tuina — these count as legitimate medical expenses here) — 24-hour English helpline If your insurer says "worldwide excluding USA" — that usually covers China. But call and confirm. Don't rely on the fine print. The good news: China's hospitals are excellent and affordable. An MRI costs ¥480. An emergency room visit for something minor? ¥200-500. Even without insurance, it won't bankrupt you. But with insurance, you travel without that worry in the back of your mind.