Howdy Streamside, welcome to the fire. Our two daughters were adopted from China, which required spending a month there each time. The Chinese adoption community strongly recommended medical evacuation insurance as in many places their hospitals are very poor compared to here in the US. That being said, we chose not to get such insurance as we were in major cities throughout our trips. Plus, my wife wouldn't let me do anything fun stupid during our stays. My experiences as/with college students suggests this insurance would be more important. The peace of mind it would give you would cover a lot of the price.

As for civil disturbance evacuation insurance...the best thing there would be to avoid any political rallies/marches. China cracks down on such things pretty fiercely and if they think you are on the wrong side, you are toast.

-Blast