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Insurance Information
 

Medical facilities across China are often unable to provide the full range of medical services that are available in developed countries, making evacuation a requirement in many non-life threatening medical situations. The costs of evacuation as well as international standard care are extremely high. In the most serious emergencies, travelers may not be capable of authorizing payment for an appropriate medical response that is urgently required. This may delay or prevent the provision of critical and possibly life-saving medical attention.

It is a condition of travel on our journeys that all travelers are adequately covered by travel insurance prior to arrival. Insurance should cover personal accident and medical expenses, evacuation and repatriation, baggage loss, and cancellation or curtailment of holiday. Your insurance details must be supplied to us at the time of booking. If you fail to provide the requested insurance information, we reserve the right, acting in our sole discretion, to cancel bookings and apply charges as per our cancellation policy. Travelers will be asked to provide their insurance details upon arrival in China as part of the registration process, and in the event that possession of an appropriate insurance policy is unable to be confirmed, in the interests of the traveler and fellow travelers, CIAC Travel reserves the right, acting in its sole discretion, to prohibit participation in the journey. In such instances, we will use our reasonable efforts to assist with onward travel arrangements for the relevant traveler, however full Cancellation Fees will apply.

Note that travel insurance ‘attached’ to credit cards is often limited in scope (eg. not covering serious medical, repatriation or evacuation expenses) and in any case is usually effective only if travel arrangements have been purchased with the card. Please note also that government regulations in China do not always require or enforce the possession of liability insurance by hotels, transport and other suppliers. Even when insurance is in place, it can be for very limited coverage only.

 

With our insurance:

Satisfaction Guarantee

Your insurance premium will be refunded if you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.

Waiver for Pre-existing Conditions

A pre-existing condition is defined as any injury that occurs before and including the effective date of insurance or any illness that occurs within 120 days before and including the effective date of insurance for which the insured has seen a doctor for treatment or diagnosis or for which symptoms exist that would cause a prudent person to seek diagnosis, care or treatment.

 

The Pre-existing Conditions exclusion will be waived when the following provisions are satisfied:
    • You purchase the plan within 15 days of making your “initial trip payment.” (Day one
    • is the date the “initial trip payment” is received);
    • The amount of Trip Cancellation
      coverage purchased must equal the full cost of all pre-paid non-refundable trip
      arrangements. The cost of any subsequent arrangement(s) added to the same trip
      must be insured within 15 days of the date of payment or deposit for any subsequent
      trip arrangement(s). Failure to do so may affect the pre-existing medical condition
      waiver coverage;
    • You must be medically able to travel when you pay your plan
    • Applies to the first $30,000 of trip cost per person.
    • You must be a resident of the United States.
Details: G O L D  Plan

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