Compare Travel Insurance in Taiwan

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17 live offers compared from 17 providers, from NT$160 /trip. Updated daily.

What is travel insurance in Taiwan?

Travel insurance in Taiwan protects residents on overseas or domestic trips against medical emergencies, accidents, trip cancellation, baggage loss and travel delays. It comes in two related forms: travel accident insurance (旅行平安保險), a life-insurer product paying for death or disability, and overseas travel medical and inconvenience cover from non-life insurers. Many travellers buy a bundled policy, and some card and airline channels include basic cover automatically. Policies are short-term, matched to each trip's duration.

How the Taiwan market works

Because of Taiwan's strict separation of life and non-life insurance, the accident/death element and the medical/inconvenience element can come from different insurers, often packaged together at purchase. Policies are sold online, at airports, through banks and travel agents, and via insurer apps that quote instantly by destination and dates. Premiums scale with trip length, destination risk and coverage limits, and buyers can add cover for adventure activities or higher medical caps.

Benefits

Overseas medical cover — Pays for hospital treatment and emergency evacuation abroad, where Taiwan's National Health Insurance does not reach.

Trip protection — Reimburses non-refundable costs if cancellation, delay or missed connections disrupt your plans.

Baggage and belongings — Covers loss, theft or damage to luggage and personal items during the journey.

Accident benefit — The travel-accident element pays a lump sum for death or permanent disability from a covered accident.

Emergency assistance — A 24-hour multilingual helpline arranges hospital admission, evacuation and repatriation, which matters most in countries where Taiwan's NHI offers no reach.

How to choose

Match the medical limit to your destination, high for the US or Japan where care is costly, and confirm emergency evacuation and repatriation are included. Check whether pre-existing conditions, adventure sports or COVID-related claims are covered. Compare the cancellation and delay thresholds, per-item baggage caps and the 24-hour assistance line. If you already hold card or NHI-linked cover, top up rather than duplicate.

Leading providers in Taiwan

Non-life insurers such as Fubon Insurance Taiwan and Allianz Taiwan lead on medical and inconvenience cover, while life insurers including Cathay Life Insurance, Nan Shan Life Insurance, Shin Kong Life, Fubon Life, AIA Taiwan and Prudential Life Taiwan provide the travel-accident element. Bundled products from these groups are widely sold online and at airports.

What it costs

Short-trip premiums in this comparison typically run from about NT$160 to NT$500 for a standard package, depending on trip length, destination and cover limits. A week in nearby Asia sits at the lower end, while longer trips to higher-cost destinations with generous medical caps and adventure add-ons cost more. Family and annual multi-trip options are also available.

Protections and regulation

Both the life-insurer accident element and the non-life medical element are regulated by the Financial Supervisory Commission (FSC). Products come from licensed insurers on their respective sides of the life/non-life divide, and the Taiwan Insurance Guaranty Fund provides limited protection if an insurer becomes insolvent. Policy terms and exclusions must be clearly disclosed at sale.

Common questions

Does NHI cover me abroad? Only partially, through limited emergency reimbursement after you return, so overseas travel medical cover is strongly advised.

Why are there two policies? Taiwan's life/non-life separation means the accident/death benefit and the medical/inconvenience cover often come from different insurers, usually sold together.

Can I buy at the airport? Yes, counters and apps sell last-minute cover, though buying earlier protects against pre-departure cancellation too.

Are adventure activities covered? Not always, skiing, diving and other higher-risk pursuits are frequently excluded or need a specific add-on, so check the activity list and buy the extension before you travel if you plan to take part.

Travel Insurance in Taiwan — FAQ