TRAVEL INSURANCE FOR CHINA

WHY BUY WITH ZOOM

• I leave for China tomorrow, can I still get cover?

• Yes, absolutely. Whether you've just booked some spontaneos travel or travel insurance was last on your packing list, you can still buy cover with Zoom provided you haven't left Australia yet.

• Am I covered for theft?

• Yes. Scammers and pickpockets have been known to target tourists in China so just make sure that you stay alert and aware, particularly in crowded, tourist hotspots. Zoom will cover you for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

• Will I be covered for food poisoning?

• Yes. You would be covered for any medical expenses you incur as a result of contaminated food and water. Be warned that traveller's diarrhoea, including giardia, is common in China. Wash your hands regularly, opt for fully cooked, fresh food and peel fruit before eating. The tap water is China is also not safe to drink. Stick to bottled or boiled water, ask for no ice in your drinks, and check the seal on water bottles (some stores sell boiled water in recycled bottles).

• Do I need vaccinations to travel to China?

• Your doctor may recommend vaccinations before you travel to China, depending on your health status and your travel plans. You may need to update any routine vaccinations and consider shots for typhoid, hepatitis A and B, rabies, Japanese Encephalitis and tick-borne encephalitis. Consider a prophylactic for malaria if you're travelling to affected areas as well.

• Am I covered for asthma?

• The air quality in some Chinese cities is poor and may trigger your asthma.Your asthma would be covered providing that you have no other lung disease, and; you are less than 60 years of age at the date of issue of the certificate of insurance.
  
  If you have respiratory or other health problems, speak to your doctor prior to travelling. Pollution levels in China will vary day-to-day, so check local reports (eg. aqicn.org/city/beijing/) and consider staying indoors or wearing a mask on bad days.

• Do you have per item limits?

• If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

• Are adventure activities covered?

• We automatically cover a wide range of adventure sports including diving, bungee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

• What is a dependant?

• This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.

COMPARE CHINA TRAVEL INSURANCE

COMPARE PLANS (Benefits are per adult) Expand to see benefits & limits in detail	Medical Only	Standard	Comprehensive MOST POPULAR
MEDICAL	Unlimited	Unlimited	Unlimited
24/7 Emergency Assistance Services	Unlimited	Unlimited	Unlimited
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Overseas Emergency Medical & Hospital Expenses^	Unlimited	Unlimited	Unlimited
Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
Includes Dental Expenses (per person)	$500	$500	$500
Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Expenses	-	$10,000	$50,000
Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
Includes Family Emergency	-	Yes	Yes
Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
Includes Resumption of Journey	-	$3,000	$3,000
Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
Includes Emergency Companion Cover	-	Yes	Yes
Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
Hospital Cash Allowance^^	-	$2,500	$5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Accidental Death	-	-	$25,000
A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
Permanent Disability^^	-	-	$25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
Loss of Income^^	-	-	$10,400
Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
CANCELLATION	-	$25,000	Unlimited
Cancellation Fees & Lost Deposits	-	$25,000	Unlimited
Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
Alternative Transport Expenses	-	-	$5,000
Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
Travel Delay Expenses	-	-	$2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
LUGGAGE	-	$7,500	$7,500
Luggage & Personal Effects	-	$7,500	$7,500
Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Luggage & Personal Effects Delay Expenses^^	-	-	$250
Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
Travel Documents & Transaction Cards^^	-	$2,000	$5,000
Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Theft of Cash^^	-	-	$250
Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
PERSONAL LIABILITY	$2,500,000	$2,500,000	$5,000,000
Personal Liability	$2,500,000	$2,500,000	$5,000,000
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

VISAS FOR CHINA