Travel Insurance for Asia

Travel Insurance for Asia lets you enjoy your holiday even if you get sick or are involved in an accident while travelling. With AllClear’s comprehensive policies, you can relax and explore everywhere from Rishikesh to Hong Kong with confidence.

AllClear covers cancellation fees and costs caused by delays. It also covers lost or stolen baggage and excess for car insurance if your hired vehicle is involved in an accident. 

At AllClear, we specialise in cover for senior travellers and those with pre-existing medical conditions. There is no upper age limit on our policies, and unlimited cover for medical emergency expenses.

Be sure to choose the most suitable policy for your destination before you go. The right Travel Insurance can help you relax and enjoy your trip, knowing you are protected from unexpected events.

We provide cover for the following locations:

If you need medical care during your time in Asia, you could face costly medical bills. This can be especially true if you live with pre-existing medical conditions.

AllClear offers cover for over 1,300 medical conditions, giving you peace of mind while you’re on holiday. Declaring with AllClear is simple thanks to a straightforward screening process, online and over the phone.

Some major conditions we cover include:

Some of the most awe-inspiring natural wonders in the world can be found in Asia. From the towering sandstone pillars of Zhangjiajie National Forest Park to the sparkling beaches of Guyam Island, AllClear is here to help you explore Asia with complete peace of mind. 

If you are injured while participating in a covered outdoor activity, we can cover your medical expenses. Activities covered by AllClear include:

• Hiking
• Cycling
• Kayaking
• Snorkelling
• Diving
• Skiing

Using a hired car on your holiday in Asia? Our policy will cover your rental car insurance excess amount if your rental car is involved in a motor accident while you are driving. You can also have cover if it is damaged or stolen while it is in your custody.

Mopeds, motorcycles and scooters in Asia

You’ll find plenty of cities in Asia with streets filled with mopeds, motorcycles and scooters. They are a convenient way to immerse yourself in local cultures. However, these vehicles can also come with risks.

AllClear policies include cover for medical expenses due to injuries incurred while riding mopeds and scooters.

This cover includes the following conditions:

• The engine capacity does not exceed 125cc
• You wear a crash helmet
• You have an appropriate licence
• You are covered by a motor insurance policy

Always drive cautiously and follow local laws and road safety advice to avoid motorcycle accidents.

There are many exciting destinations to see across the Eastern continent. However, your travels can come with risks to prepare for. With AllClear, you have cover for emergency medical treatment costs across Asia. 

There are no countries in Asia that share a Reciprocal Health Care Agreement with the Australian Government (Source: Australian Governement, accessed 5 Nov 2025). If you need emergency assistance, Travel Insurance could be the only financial help you receive.

Medical treatment across Asia can become costly. If you need to spend one or more nights in a medical facility, you could face significant medical bills.

For example, a bed in Hong Kong hospitals costs up to AUD$825 per night (Source: Canossa Hospital, accessed 5 Nov 2025). With Travel insurance, you can maintain your financial security.

With AllClear’s comprehensive medical cover, you can travel across Asia with less stress. If an incident does happen on your holiday, you are covered for medical costs incurred. You also have repatriation cover if you need to be treated back in Australia.

You also have access to a 24/7 emergency medical helpline. You can use this line any time to help find the right medical care for you while abroad.

Many countries across Asia experience natural disasters. Events like floods or typhoons can affect your trip in unexpected ways. Having the right cover is essential to protect your trip and avoid unnecessary expenses.

With AllClear’s natural disaster Travel Insurance, you are covered if a natural disaster prevents you from travelling. You also have cover if a disaster causes your holiday provider to cancel without suggesting an alternative.

This allows you to plan your trip stress-free and receive financial compensation if a disaster affects it.

The cost of Travel Insurance in Asia can vary heavily depending on multiple factors. These factors include:

• Pre-existing medical conditions: How old you are and which pre-existing medical conditions you are living with can affect how much your premiums cost. That’s because these factors increase the likelihood of medical expenses while you’re abroad. 
• Trip length: The length of your trip will affect the cost of your policy. If you are away for a long time, that means there is more time for incidents to occur. 
• Destinations: Some destinations carry more risk than others. Where you travel will affect the price of your premiums. ‍
• Type of cover: Adding extra cover to your policy will increase the final price of your insurance.

A cruise is an amazing way to explore the Asian seas in style and comfort. With Cruise Travel Insurance, you can make sure you’re covered against:

• Cabin confinement if you are required to stay in your room due to illness 
• Missed ports if the total number of docked ports is fewer than the number scheduled on your cruise itinerary
• Cover for medical emergencies you may experience on a cruise due to your pre-existing conditions or covered events

Enjoy a stress-free holiday with cruise cover, knowing you are financially secure.

Before going to Asia, here’s a simple list of to-dos you should check off first:

• Travel Insurance: Purchasing Travel Insurance is an important step to a safer, more fun trip. Be sure you understand what your policy covers you for, and follow all relevant conditions.
• Smartraveller: Review the warnings and safety advice offered by the Australian Government’s Smartraveller website before beginning your travels.
• Entry requirements: Make sure you know the entry requirements for the country you are visiting. Check if you need a visa or have to complete other documentation before you are allowed in the country. 
• Consult your health professional: Before leaving Australia, be sure you have spoken to your health professional about your travel plans. Check if you need any vaccinations before you go. You should also discuss the best ways to manage your pre-existing health conditions while on holiday. Check if any medications you plan to take are prohibited in the country or region you are travelling to.
• Respect local customs: Be sure you are aware of important local customs for any destination you are travelling to. Find out if there are expected dress standards, if there are specific laws you should be aware of and what religious customs you need to respect. 
• Emergency contacts: Be sure you know the right emergency numbers for the police and other emergency services in the nation you are travelling to. You should also look up the contact details of the Australian Embassy in case of an incident.‍
• Currency: Not all locations in Asia support credit cards. In rural areas and marketplaces, be sure you have enough physical currency for your trip, and know the best way to draw more if you need.

Stay safe while you're travelling with these essential tips for Asia:

• Pickpockets and thieves: Petty crimes like bag slashing, pickpocketing and phone snatching can occur in tourist-heavy areas across Asia. Make sure you keep your valuables close.. You should avoid displaying expensive jewellery or electronics if possible. If you are the victim of a petty crime, be sure to report it to the authorities.
• Food and water: Some areas of Asia have a reputation for travellers' diarrhoea, causing conditions known as “Delhi Belly” or “Bali Belly”. Check to see if the tap water is safe to drink before travelling. Drink bottled water in places like Bali or India. Do not eat undercooked food or meals from potentially unsanitary sources.
• Scammers: Scams targeting tourists and foreigners are a risk across Asia. Research the most common scams in locations you’re travelling to and keep your wits about you.‍
• ATM risks: Make sure you only use ATMs in safe locations, preferably away from tourist-heavy areas. Some ATMs may have been tampered with as well, so examine the machine thoroughly before inserting your card.