China Travel

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What is Avo China Travel Protection?
Avo China Travel Protection will provide you with a good level of coverage should you fall ill or have an accident, your belongings get lost or stolen, or you have to cancel your trip.

China might be a big place, but that doesn't mean your travel insurance has to come with a big price; whether taking a short break, a family holiday, or travelling on business throughout China, our China Travel Protection covers a single trip that would be money well spent, whilst providing the right insurance for you.
New: Travel Insurance COVID-19 Extension
With HK$8 extra premium per trip, you can add COVID-19 Extension to your single trip travel insurance policy.

If you are first diagnosed with COVID-19 whilst on your trip, Avo travel insurance will cover medical & related expenses incurred overseas and follow up medical expenses in Hong Kong. The emergency medical evacuation is also covered.
What is typically covered in the Avo China Travel Protection ?
Depending on what plan you buy and when you buy it, the travel insurance cover and benefits limits can vary. Avo Lite and Plus* travel protection include:
Personal accidents
Inclusive of double accidental death benefit on public transport
Medical bills
Overseas and post-trip medical coverage
Emergency assistance
Inclusive of emergency medical evacuation
*Personal liability
Covers your legal liability for causing third party bodily injury or property damage
*Trip inconveniences
Coverage for trip cancellation, interruption or delay
*Lost baggage
Coverage from lost, stolen to damage to your baggage during your trip
Couples, families and small groups traveling to China
Unless you’re travelling alone, you may arrange your travel insurance under one policy with your travel partners.
What’s not covered in our Avo China Travel Protection Plan?
Not getting medical treatment overseas
If you get sick and choose not to be treated whilst abroad, you will not be covered by our post-trip medical coverage.
Any pre-existing medical conditions
If you were diagnosed for the condition, that would be a pre-existing condition - coverage would be denied.
Trip cancellations for ‘everything’
All our travel insurance policies provide a list of covered reasons for trip cancellation. If your reason is not on the list, you will not be covered.
Travelling purpose
We are unable to provide any coverage if your travelling purpose is to get medical care, advice or treatment.
Benefit Summary
1  50% of Personal Accident Benefits amount for child (age<18)
The above is intended as a general summary only. Please refer to the Policy Wordings for details.
COVID-19 Extension

Important Stuff

  • We can cover your leisure travels and business trips (so long as it’s an office job).
  • The maximum age covered is 80 years old.
  • Your trip must depart from and return to Hong Kong.
  • Personal Accident Benefits for child are 50% of the total Benefit Amount.
  • We cover: All the geographical regions within Mainland China including Macao Special Administrative Region.


  • Q1.  Can anyone buy Avo China Travel Protection?
  • Q2.  Am I covered for business trips?
  • Q3.  Is my laptop or notebook covered?
  • Q4.  If I have to change my travel plan because of a medical issue, am I covered for a trip cancellation?
  • Q5.  Am I covered for flight delays?
  • Q6.  What if I can’t reschedule my return flight with my original airline that has been delayed during the journey?

more related

COVID-19 Extension related FAQs

  • Q1.  How do I purchase COVID-19 Extension?
  • Q2.  What is covered in this COVID-19 Extension?
  • Q3.  What is the maximum period of this COVID-19 Extension?
  • Q4.  Will the COVID-19 Extension cover follow- up medical expenses in Hong Kong ?
  • Q5.  When I purchase a group travel protection plan, can only one or few insured person(s) add this COVID-19 Extension?

Alternative to Avo China Travel Protection
Avo GBA Travel Protection
The Avo GBA Travel Protection will provide you with a safety net if you fall ill or have an accident, your belongings are lost or stolen, or you have to cancel your trip.

It’s designed to offer protection to those who will be travelling within the Guangdong-Hong Kong-Macao Greater Bay Area (Greater Bay Area), which comprises the Special Administrative Region of Macao, and the nine municipalities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in Guangdong Province. Premium is as low as HK$8 per day!
Key Points
  • Personal Accident Benefits - Accidental Death or Permanent Disablement
  • Emergency Medical & Related Expenses
  • Emergency Assistance Services
  • Personal Belongings
  • Trip Cancellation, Interruption or Delay
  • Personal Liability
  • Adventurous Tourist Activities Extension
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