WanderPeng
June 18, 2026
Two years ago, a client of mine slipped on a wet marble floor at his Beijing hotel. Just a sprained wrist — annoying, but not catastrophic. Except his travel insurance didn't cover China. He ended up paying ¥800 (about $110 USD) at a walk-in clinic and spent the rest of his trip nervously wondering what would happen if something serious actually went wrong. Don't be that guy. I tell every client: check your travel insurance covers China **before** you leave. Not all policies do, and you don't want to find out the hard way. Here's what to look for when booking through platforms like **Booking.com** or **Trip.com** (which often offer insurance add-ons), or when using a standalone provider: - **Medical coverage in China** — some policies explicitly exclude it. Read the fine print. - **Minimum $100,000 USD coverage** (roughly ¥720,000 RMB). That'll handle most emergencies. - **Coverage for TCM treatment** — acupuncture, tuina massage, herbal medicine. These count as legitimate medical expenses here, and they're excellent for things like jet lag or muscle strain. - **24-hour English helpline** — because when you're in a Guangzhou ER at 2 AM, you don't want to fumble through Google Translate. If your insurer says "worldwide excluding USA" — that usually covers China. But call and confirm. Don't rely on the fine print. I've seen too many people assume and end up with a nasty surprise. The good news: China's hospitals are excellent and affordable. An MRI costs around ¥480 ($66 USD). An emergency room visit for something minor? ¥200-500 ($28-69 USD). Even without insurance, it won't bankrupt you. But with insurance, you travel without that worry in the back of your mind — and that peace of mind is priceless. Pro tip: If you're flying from the US, check if your credit card (like Chase Sapphire or Amex Platinum) offers trip insurance that includes China. Or book flights through **Google Flights** and add insurance there. For accommodations, **Airbnb** hosts sometimes recommend local clinics, but always have your own coverage first. Safe travels — and if you ever find yourself in a Beijing clinic, at least you'll know exactly what to do.

More from the feed

I get this question at least twice a week: "Peng, how many days do I need in Beijing?" The honest answer: 4 days minimum. 5 if you want to breathe. Day 1: Forbidden City + Jingshan Park (book tickets a week ahead) Day 2: Great Wall — leave by 6:30am, Mutianyu is closest Day 3: Temple of Heaven in the morning, Summer Palace after lunch Day 4: Hutong walking tour + 798 Art District Day 5 (optional): Xi'an — take the 4.5hr high-speed train, see the Terracotta Warriors This isn't a rushed itinerary. It's what I've refined over 15 years of bringing clients here. You could do it in 3 days but you'd hate yourself by day 2. Want a full day-by-day plan? That's what I do. Just ask.

Jun 24· beijing · chinatravel

Client tip I give everyone: book the Great Wall for a Tuesday or Wednesday morning. Arrive before 8am. Why? I took a family from Melbourne to Mutianyu last Thursday. We got there at 7:45. Had the entire section to ourselves for a full hour. No crowds, no noise, just the wall stretching into the mist. By 9:30 the tour buses started arriving. By 10 it was shoulder-to-shoulder. We were already heading down on the toboggan run laughing our heads off. Timing is everything in China travel. I've been doing this 15 years — I know which spots to hit early and which to skip entirely. If you want my honest itinerary tips, just ask. I don't gatekeep.

Jun 24· greatwall · beijing

Someone in my DMs just asked: "Is Chongqing worth visiting?" Let me tell you about the last time I took a client there. We arrived at night. Stepped out of the airport, and she stopped dead. The entire city was glowing — skyscrapers built into mountains, lights reflecting off the river, bridges crisscrossing in every direction. She said: "This looks like a movie set." Next morning we ate noodles at a tiny shop my friend runs. Bowl of chongqing xiaomian — 8 yuan, and she said it was the best thing she'd eaten in China. That afternoon we took the Yangtze River cable car across the city. She was pressed against the window taking videos the whole way. At dinner she asked me: "Why don't more tourists come here?" Good question. I don't know either. But my clients do.

Jun 24· chongqing · chinatravel

A client from Texas asked me last week: "Do I really need WeChat Pay and Alipay, or can I just use cash?" Short answer: bring cash as backup, but you'll struggle without the apps. Here's the reality: even street vendors in Chengdu now have QR codes. I watched a French tourist try to buy an egg crepe (jianbing) with a 100 yuan note last month. The vendor couldn't make change. The guy behind him in line scanned a QR code and paid for it. The Frenchman looked so confused I stepped in and helped him set up Alipay on the spot. My advice: set up Alipay before you leave home. Link your international card. It takes 10 minutes and saves you a hundred awkward moments. Need help? I wrote a step-by-step guide. Link in bio.

Jun 24· chinatravel · traveltips