Comprehensive trip insurance is a good idea if you are booking an expensive trip, or if you are making travel arrangements far in advance. Policies usually cover trip cancellation and interruption due to personal emergencies, illness, and natural disasters. Medical policies only cover medical care and evacuation.
Check with your existing insurance policies before buying travel insurance. You may be covered for some or all travel problems. Then compare travel policies to clearly understand the terms and conditions of each. For China, you would be wise to consider the purchase of a policy that includes air ambulance or scheduled airline repatriation.
